In my ideal world, I’d just purchase insurance against the impact of crimes. It would be a combination of home insurance for robberies, car insurance for theft, personal injury insurance for assaults and life insurance for murder. One check each month and I’m taken care of.
That would then leave it to the insurance company to maximize their profit, which forces them to find the most-effective way to contain their claims exposure. This might be putting more police on the streets. But it might just be paying for better locks for my house. It might even mean paying school teachers more, or funding Head Start. It might mean doing nothing and just paying out claims. Their approach might vary from town to town. But their incentives would be aligned with my preferences to a degree not at all possible in the current government-run approach.
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from Quora http://ift.tt/2ghgP63
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