Planetary Solvency: Why Our Future Depends on Protecting Nature

Cover of 'Planetary solvency – finding our balance with nature: Global risk management for human prosperity' study.
Cover of “Planetary solvency – finding our balance with nature: Global risk management for human prosperity” study.

The Big Picture

Imagine waking up to find grocery store shelves half-empty, the price of fresh produce soaring, and unpredictable storms disrupting everyday life. This isn’t science fiction—it’s a growing reality as our planet’s climate shifts in dangerous ways.

Scientists warn that unless we change course, we risk reaching Planetary Insolvency—a state where nature can no longer support human needs. But here’s the good news: we still have time to act. Understanding the risks and making smarter choices today can help us create a future where people and nature thrive together.

What Is Planetary Solvency?

Think about a business. If it spends more money than it earns, it eventually goes bankrupt. Our planet works in a similar way—if we take more from nature than it can regenerate, we risk collapsing the very systems that support life.

Planetary Solvency is the idea that we must manage Earth’s resources wisely to keep society stable. This means keeping our air and water clean, protecting forests and oceans, and ensuring that nature continues to provide the essentials we rely on—like food, water, and a livable climate.

For decades, economies have focused on short-term profit without considering the environmental “debt” we’re racking up. Now, we’re starting to see the consequences—but it’s not too late to course-correct.

The Warning Signs: Key Statistics You Need to Know

Climate scientists and risk analysts have uncovered troubling trends that show just how urgent this issue is:

  • The past 12 months were the hottest on record, with global temperatures averaging 1.5°C above pre-industrial levels (Trust et al., 2025).

  • A key ocean current system (AMOC) has a 45% chance of collapsing by 2040. This would cause extreme weather shifts, including stronger hurricanes, longer droughts, and disrupted food production.

  • If global warming reaches 2.5°C, over 50% of land suitable for growing wheat and maize could be lost, making food shortages more common.

  • Economic risk models ignore 87% of industries, assuming they won’t be affected by climate change. This is a dangerous miscalculation—nearly all businesses depend on stable natural systems.

  • Some projections estimate that climate-driven disasters could reduce global GDP by up to 63% by 2100, leading to widespread economic instability.

The takeaway? Climate change isn’t just about rising temperatures—it affects food security, jobs, public health, and global stability.

Why Current Climate Plans Are Not Enough

Many governments have pledged to cut carbon emissions and protect ecosystems, but current efforts fall short. Here’s why:

  • The Paris Agreement didn’t account for tipping points: Climate disasters don’t happen in isolation. When one event (like Arctic ice melting) triggers another (such as changing ocean currents), the effects spiral out of control. Many climate policies fail to consider this domino effect.

  • Short-term economic focus: Many governments prioritize economic growth over environmental stability, even though our economy depends on nature—from agriculture to clean water to disaster resilience.

  • Underestimated risks: Climate models often leave out the worst-case scenarios because they are hard to predict. However, ignoring unlikely but catastrophic events is a major risk management failure.

In short, we need stronger and more realistic climate policies that recognize the full scale of the threat.

What Needs to Change: The RESILIENCE Plan

To prevent Planetary Insolvency, experts recommend a RESILIENCE-based approach, which includes:

  • Better Risk Assessments: Governments and businesses need realistic climate risk models—like financial audits, but for Earth’s health.

  • Stronger Policies: Enforceable limits on pollution, deforestation, and overfishing.

  • Faster Emissions Reductions: The longer we wait, the harder it becomes to prevent extreme warming.

  • Restoring Nature: Protecting and rebuilding ecosystems like forests and wetlands, which absorb carbon and prevent natural disasters.

  • Educating Leaders: Many policymakers lack a deep understanding of climate risk. We need climate-literate decision-makers who can balance economic growth with sustainability.

The path forward isn’t just about stopping damage—it’s about creating a world where nature and people thrive together.

What Can YOU Do?

While governments and businesses play a major role, individuals can make a difference too. Here are some ways to take action:

  • Stay Informed: Read about climate solutions, not just problems. Understanding what works can help shape smarter decisions.

  • Push for Policy Change: Vote for leaders and support policies that prioritize sustainability. Your voice matters.

  • Make Smarter Choices: Support businesses committed to sustainable practices. Reduce waste and be mindful of energy consumption.

  • Spread Awareness: Talk about these issues with friends and family. Many people want to help but don’t know where to start.

These small steps, when multiplied across millions of people, can drive real change.

Summing Up

The future isn’t set in stone. What we do today will determine whether our planet remains livable or spirals into crisis. By managing Earth’s resources as carefully as we manage money, we can protect future generations and ensure a stable, thriving world.The good news? We still have time to act—but the clock is ticking. Will we make the right choice?


Source: Trust, S., Saye, L., Bettis, O., Bedenham, G., Hampshire, O., Lenton, T. M., & Abrams, J. (2025, January). Planetary solvency – finding our balance with nature: Global risk management for human prosperity. Institute and Faculty of Actuaries & Exeter University.

How Biodiversity Loss and Climate Change Are Impacting Children’s Health

Group of children lying in a circle on a carpeted floor, smiling and laughing while looking up at the camera. The photo is framed with a colorful, crayon-like border featuring flowers, hearts, and tulips in vibrant colors like red, orange, pink, green, and yellow. The playful and cheerful design complements the joyful expressions of the children, creating a warm and lively atmosphere.
Joyful Moments in Full Bloom

A Call to Action

The health of our planet and our children are closely linked. Biodiversity—the variety of life on Earth—plays a critical role in keeping ecosystems and people healthy. Yet, biodiversity is rapidly declining, and climate change is worsening its impacts. Children are particularly vulnerable to these changes, as their developing bodies are more sensitive to environmental stressors and they face a longer lifetime of exposure.

Understanding the Crisis

What Is Biodiversity and Why Does It Matter?

Biodiversity refers to the variety of plants, animals, and microorganisms on Earth, as well as the ecosystems they form. It ensures clean air, water, and food, regulates diseases, and supports human health in countless ways.

However, human activity—deforestation, pollution, and overuse of natural resources—has caused biodiversity to decline at an alarming rate. Combined with climate change, these losses create a cycle of destruction that threatens not just the environment, but also our health.

Why Are Children More Vulnerable?

The impacts of biodiversity loss and climate change are particularly severe for children due to their unique vulnerabilities. These include biological factors and social dependencies that make them less able to cope with environmental changes. For example:

  • Their immune, respiratory, and nervous systems are still developing.

  • They breathe more air and consume more food relative to their size, increasing exposure to pollutants.

  • They depend on adults to provide safe environments and resources.

Key Areas of Impact on Pediatric Health

Microbial Diversity: Building Immunity

Microbial diversity, found in soil, water, and plants, is essential for the healthy development of a child’s immune system. When ecosystems lose biodiversity, children lose exposure to beneficial microbes, leading to a range of health issues.

  • What It Does: Microbial diversity in soil, water, and plants influences the microbes children are exposed to, which is essential for developing strong immune systems.

  • The Problem: Biodiversity loss reduces exposure to beneficial microbes, increasing risks of allergies, asthma, and inflammatory diseases.

Green Spaces: Nature’s Healing Power

Green spaces with diverse plant and animal life provide much more than aesthetic beauty. They are critical for children’s mental, emotional, and physical health, offering restorative environments for growth and learning.

  • Benefits: Access to biodiverse green spaces improves physical activity, mental health, and cognitive development in children.

  • Evidence: Studies show that exposure to diverse plant and animal life in parks and gardens boosts children’s emotional well-being and attention spans.

Heatwaves and Flooding: Rising Risks

As climate change drives more extreme weather, children are facing increasing risks from heatwaves and flooding. These events not only cause immediate health threats but also disrupt the ecosystems that help protect against them.

  • Heat-Related Illnesses: Children are at greater risk of heat exhaustion and dehydration during heatwaves, which are becoming more frequent due to climate change.

  • Flooding: Loss of ecosystems like wetlands, which absorb excess water, increases the risks of displacement, injury, and waterborne diseases.

Infectious Diseases: Expanding Threats

Climate change is enabling the spread of disease-carrying insects to new regions, putting children at a greater risk of infectious diseases. Biodiversity loss compounds this by reducing natural pest control systems.

  • Vector-Borne Diseases: Climate change allows disease-carrying insects like mosquitoes to thrive in new regions, increasing risks of illnesses like dengue and Lyme disease.

  • Children at Risk: With weaker immune systems, children are more susceptible to severe outcomes.

Air Pollution: Breathing Problems

The destruction of biodiversity-rich ecosystems contributes to worsening air pollution. For children, this means a higher risk of respiratory illnesses and developmental challenges.

  • The Link: Biodiversity loss contributes to air pollution as ecosystems that filter air—like forests—are destroyed.

  • Impact: Air pollution worsens asthma, bronchitis, and developmental issues in children.

Pediatric Medicine: Lost Potential

Biodiversity plays a key role in medical advancements. Many life-saving medicines have been discovered through the study of plants, animals, and microorganisms, a potential that is at risk with biodiversity loss.

  • Biodiversity’s Role: Many medicines are derived from plants, animals, and microorganisms. For example, antibiotics like penicillin come from fungi.

  • The Risk: Biodiversity loss could mean less availability of these medicinal sources.

Solutions and Mitigation Strategies

Ecosystem Restoration

Restoring biodiversity is critical for mitigating the impacts of climate change and creating healthier environments for children. These efforts can range from local projects like community gardens to global initiatives aimed at protecting ecosystems.

  • What Works: Rewilding efforts and urban planning that integrate biodiversity can restore ecosystems and improve air quality, reduce flooding, and create cooling effects.

  • Example: Restored urban green spaces have been shown to lower temperatures and improve local health outcomes.

Engaging Children in Biodiversity Initiatives

Getting children involved in biodiversity restoration not only helps ecosystems but also benefits their mental health and emotional well-being. These programs foster a sense of agency and environmental awareness.

  • Programs: Community gardens, tree-planting drives, and biodiversity education in schools.

  • Benefits: These activities not only improve ecosystems but also enhance children’s mental health, provide hands-on learning, and empower them to take action.

Policy and Community Action

Addressing biodiversity loss requires a collaborative effort across individuals, communities, and governments. Policymakers and organizations can create programs that protect and restore biodiversity while involving the public.

  • Global Initiatives: The UN Decade on Ecosystem Restoration is an example of efforts to promote biodiversity worldwide.

  • Local Efforts: Schools and communities can push for greener policies, like protecting wetlands or creating more biodiverse parks.

Research Gaps and Future Directions

While we know biodiversity loss and climate change harm children’s health, more research is needed to fully understand the long-term effects. By addressing these gaps, we can create better solutions tailored to children’s needs.

  • More studies are needed on the long-term health benefits of biodiversity restoration.

  • Research should focus on how interventions, especially in underserved communities, can best support children.

Summing Up

Biodiversity and climate change are not abstract issues—they directly impact children’s health today and their futures tomorrow. From the air they breathe to the spaces they play in, children are deeply connected to the natural world. Protecting biodiversity results in safeguarding the well-being of the next generation.

Call to Action

We can restore biodiversity by planting native species, reducing waste, and supporting conservation organizations. Communities can demand greener policies, and governments must prioritize ecosystem restoration. Together, we can protect our planet and ensure a healthier, safer future for all children.


Source: Seastedt, H., Schuetz, J., Perkins, A., Gamble, M., & Sinkkonen, A. (2024). Impact of urban biodiversity and climate change on children’s health and well-being. Pediatric Research.

Ocean in Peril: Understanding the Escalating Threat of Marine Heatwaves and Acidification



Ocean sea life and coral reef. Credit: Francesco Ungaro, Unsplash.


As the planet grapples with climate change, our oceans are experiencing unprecedented shifts. Recent research by Joel Wong, Matthias Münnich, and Nicolas Gruber, Column‐Compound Extremes in the Global Ocean published in the Journal of Oceanic Studies into the increasing frequency, intensity, and spatial extent of compound marine extremes—particularly marine heatwaves combined with ocean acidification—highlights a looming crisis for global marine ecosystems. The study, conducted over nearly six decades, offers important insights into these phenomena and underscores the urgent need for global environmental strategies.

The Escalating Intensity of Marine Extremes

The study analyzes data from 1961 to 2020, revealing a concerning trend in the behavior of oceanic compound extremes, referred to as Column-Compound Extreme Events (CCX). These events, characterized by simultaneous occurrences of extreme heat and acidity, have become more intense and longer-lasting over the years. Such changes are primarily driven by global warming and increased carbon dioxide emissions, which not only warm but also acidify ocean waters at alarming rates.

Impact on Marine Life

The effects of these compound extremes are profound. Marine ecosystems, particularly coral reefs, kelp forests, and the myriad species dependent on them, face severe threats from prolonged exposure to extreme conditions. The study estimates that the habitable space within the water column has potentially reduced by up to 75%, a stark indication of the dire conditions many marine organisms now endure. This habitat compression threatens biodiversity, disrupts fishing industries, and jeopardizes the livelihoods of communities dependent on these ecosystems.

Geographic and Vertical Spread

The research identifies that these extremes are not uniformly distributed. Tropical and high latitude regions, known for their rich biodiversity, are the most affected. The impacts extend beyond the surface, complicating the survival conditions for species that cannot migrate to more hospitable waters.

Role of Climate Phenomena

El Niño and other climate phenomena play a significant role in modulating these compound events. The study highlights specific patterns and regional variations in CCX occurrences, linking them to broader climatic shifts that influence ocean currents and temperature distribution.

Need for Advanced Modeling Techniques

A key contribution of this research is the development of advanced models that enhance our understanding of CCX characteristics and drivers. These models are crucial for predicting future changes and implementing effective conservation strategies. They also serve as a vital tool for policymakers and environmental planners as they prepare to mitigate the effects of these changes.

Summing Up

The findings from the study serve as a clarion call for immediate action. Protecting our oceans from compound extremes requires global cooperation and innovative solutions aimed at reducing greenhouse gas emissions and enhancing marine conservation efforts. This research provides a foundation for understanding the scale of the problem and outlines the critical areas for needed interventions.

The preservation of marine biodiversity and the sustainability of our global ocean ecosystems depend on our ability to respond effectively to the challenges posed by climate change. Through informed policy-making and collaborative international efforts, there is hope for mitigating the impact of these profound marine disturbances.


Source: Wong, J., Münnich, M., & Gruber, N. (2024). Column‐Compound Extremes in the Global Ocean. Journal of Oceanic Studies, 5(3). https://doi.org/10.1029/2023AV001059.