It's literally what the OP is about, cupcake.Joe, you don't need reinsurance to umbrella your losses when you don't have that risk on the books.
And they absolutely need reinsurance to cover their risk. Which is why they are getting out & not initiating any new policies.
This seems really really hard for you to understand. Go re-read the OP's link. Go look up what re-insurers are telling you about those areas.