Matulpa

I keep coming back to this EW article from about a month ago about the insurance salesman from Part 1. While he obviously didn't turn out to be important in the way that article's author predicted, the "It's about insurance" line keeps sticking with me, and I'm wondering if it could be the key to the whole season. In the obvious sense that the Dougie storyline ended up centering around insurance fraud, and solving that ended up perfectly setting up Coop to get back to Twin Peaks once he woke up; but maybe it refers to the larger Lodge-related events as well? Could the world in Part 18 be Judy/Mother/Experiment's insurance policy against Laura being saved? She's alive, but at the cost of being taken away to an alternate, bleaker version of the world without the Cooper we used to know? Was the whole season really "about insurance"?