Insurance against FTX clawbacks

I’ve been reviewing funding requests as part of Nonlinear’s effort to help FTXF grantees. Many applications sound like this:

FTX Future Fund already paid me, so I have plenty of money. I can’t spend any of it, since I’m worried about clawbacks. This leaves me practically destitute.

Imagine you could buy insurance against these clawbacks:

Amy has $20,000 in her bank account, but it’s all from an FTX grant

Bill owns an insurance company. He believes the chance of a successful clawback is much less than 25%, and he charges Amy $5,000 for the insurance

Now Amy is comfortable spending her remaining $15,000. If a clawback happens, Bill pays her $20,000, and she’s unharmed

Seems like a win-win for Amy and Bill. Is there a way to make it happen?