What is the obstacle that poor countries might experience in preparing their disa

Whatistheobstaclethatpoorcountr iesmightexperienceinpreparingtheirdisasterinsurance?（）

[A]Itisnoteasytoexplaintheimportantitemsofinsuranceinnormaltimes.

[B]Theseverityofthedisasterisnotbigenoughtotr iggerapayout.

[C]Theinsurancepremiumsaretooexpensiveforpoorcountr iestoafford.

[D]Theinsurancepayoutcan'tmeettheneedforrecovery.