Metrics without Morse index bounds

On any surface we give an example of a metric that contains simple closed geodesics with arbitrary high Morse index. Similarly, on any 3-manifold we give an example of a metric that contains embedded minimal tori with arbitrary high Morse index. Previously no such examples were known. We also discuss whether or not such bounds should hold for a generic metric and why bumpy does not seem to be the right generic notion. Finally, we mention briefly what such bounds might be used for.