I hear what you're saying, but what will force the criminal (who intends to commit a crime) to pay this insurance? This really only punishes people who are law-abiding and have an accident occur. I feel the same way about shoveling my walkway at my house. If I do this and someone slips and falls, I am actually liable for their injury. I don't think this should be the case either. There are many mistakes in this life that will cause injury (be it physical or emotional) to others, but it is very hard to insure against all of them. In order to do this with guns, we must be first determining that the injury there is more harmful than any others. I would argue that there are emotional issues I can cause people to have that would be far more detrimental to society than just killing them. Since it is impractical (if not impossible) to insure against all of the world's problems, it seems very shady to me to pick and choose which liabilities to insure (and frankly, most are chosen because they are easy systems to design).
Final Sam Harris comment for today, just wanted to highlight what I thought was a brilliant answer from his Q/A:
Interviewer wrote:What is the difference between there being no answers in practice and no answers in principle, and why is this distinction important in understanding the relationship between human knowledge and human values?
Sam Harris wrote:There are an infinite number of questions that we will never answer, but which clearly have answers. How many fish are there in the world’s oceans at this moment? We will never know. And yet, we know that this question, along with an infinite number of questions like it, have correct answers. We simply can’t get access to the data in any practical way.
There are many questions about human subjectivity—and about the experience of conscious creatures generally—that have this same structure. Which causes more human suffering, stealing or lying? Questions like this are not at all meaningless, in that they must have answers, but it could be hopeless to try to answer them with any precision. Still, once we admit that any discussion of human values must relate to a larger reality in which actual answers exist, we can then reject many answers as obviously wrong. If, in response to the question about the world’s fish, someone were to say, "There are exactly a thousand fish in the sea." We know that this person is not worth listening to. And many people who have strong opinions on moral questions have no more credibility than this. Anyone who thinks that gay marriage is the greatest problem of the 21st century, or that women should be forced to live in burqas, is not worth listening to on the subject of morality.