If I’m some rich dude, I could totally murder my wife, so long as I convince the jury I won’t get married again.
I think they could make more general inferences than that.
And “whether or not they are found guilty” basically means you could jail anyone you feel like off the street, provided you can convince an insurer that they’re dangerous. Since they’ll be in jail,
I think I might have been unclear about how it would work. In order for someone to be jailed, you wouldn’t have to convince just one insurance company; you’d have to convince them all, even (appropriately capitalized) mutualist agencies the person belongs to. Insurers wouldn’t have any more power to put you in jail than they currently have to prevent you from driving: they can only decide whether their company will insure you, not whether all companies will refuse to insure you.
As I imagine it, jail wouldn’t be something anyone specifically imposes; it emerges out of the combination of your high estimated risk level and your inability to afford insurance except when confined to a secure facility. (And, of course, depending on the society, insurance could be subsidized out of tax revenue so that the poor aren’t automatically locked up. In a way, governments already vouch for the poor, it’s just that they don’t pay out to any victims.)
Except for the very dangerous, it wouldn’t make sense to have arbitrary imprisonment, given competition in the insurance market and ease of entry by non-profits.
As for the rich: setting up the right incentives so that they don’t abuse others with (relative) impunity is a problem under any system, no matter how much it relies on jails. Even if jail is a possibility, they have far more resources with which to manipulate the justice system.
Someone extremely rich who has also revealed willingness to commit serious crimes is that much more dangerous and would have to consent to far more restrictions to buy insurance or set up a valid insurer. The cost is not just compensation paid, but in being regarded as a greater risk in direct proportion to their higher wealth.
Edited to fix some phrasing and change the excerpt I was using in the first quotation.
As I imagine it, jail wouldn’t be something anyone specifically imposes; it emerges out of the combination of your high estimated risk level and your inability to afford insurance except when confined to a secure facility.
… and we could offer those imprisoned a chance to earn the required money through a system of gladiatorial combat! If you win enough fights and survive the rest then you will have a chance to earn your freedom! Some people may even elect to sell themselves into the system to cover their existing debts and secure their family financially. Good old fashioned capitalism at play!
Methinks you vastly underestimate how game-able such a system would be. On the most obvious side, both the wealthy customer and the insurance company must necessarily price insurance based not on the probability of criminal acts, but on the probability of being caught for criminal acts. This vastly reduces the cost of insurance for a wealthy criminal, but likely not for a poor one.
Moreover, your system is essentially saying that everyone should by default be locked up unless they can exceed some approved-of threshold for safety. Who sets this threshold? Who prices crimes? While our current system may offer unfair sentences or criminalize activities that should be legal, at least you can avoid dealing with the system by following the rules. In the one you propose, you can’t; you’re in prison if whoever sets up the rules decides you exceed some rather arbitrary threshold.
I admit the idea is clever, but it seems extremely unlikely that any detailed system structured around it would generate a society that a significant number of people would find more desirable to be born into.
I think they could make more general inferences than that.
I think I might have been unclear about how it would work. In order for someone to be jailed, you wouldn’t have to convince just one insurance company; you’d have to convince them all, even (appropriately capitalized) mutualist agencies the person belongs to. Insurers wouldn’t have any more power to put you in jail than they currently have to prevent you from driving: they can only decide whether their company will insure you, not whether all companies will refuse to insure you.
As I imagine it, jail wouldn’t be something anyone specifically imposes; it emerges out of the combination of your high estimated risk level and your inability to afford insurance except when confined to a secure facility. (And, of course, depending on the society, insurance could be subsidized out of tax revenue so that the poor aren’t automatically locked up. In a way, governments already vouch for the poor, it’s just that they don’t pay out to any victims.)
Except for the very dangerous, it wouldn’t make sense to have arbitrary imprisonment, given competition in the insurance market and ease of entry by non-profits.
As for the rich: setting up the right incentives so that they don’t abuse others with (relative) impunity is a problem under any system, no matter how much it relies on jails. Even if jail is a possibility, they have far more resources with which to manipulate the justice system.
Someone extremely rich who has also revealed willingness to commit serious crimes is that much more dangerous and would have to consent to far more restrictions to buy insurance or set up a valid insurer. The cost is not just compensation paid, but in being regarded as a greater risk in direct proportion to their higher wealth.
Edited to fix some phrasing and change the excerpt I was using in the first quotation.
… and we could offer those imprisoned a chance to earn the required money through a system of gladiatorial combat! If you win enough fights and survive the rest then you will have a chance to earn your freedom! Some people may even elect to sell themselves into the system to cover their existing debts and secure their family financially. Good old fashioned capitalism at play!
Methinks you vastly underestimate how game-able such a system would be. On the most obvious side, both the wealthy customer and the insurance company must necessarily price insurance based not on the probability of criminal acts, but on the probability of being caught for criminal acts. This vastly reduces the cost of insurance for a wealthy criminal, but likely not for a poor one.
Moreover, your system is essentially saying that everyone should by default be locked up unless they can exceed some approved-of threshold for safety. Who sets this threshold? Who prices crimes? While our current system may offer unfair sentences or criminalize activities that should be legal, at least you can avoid dealing with the system by following the rules. In the one you propose, you can’t; you’re in prison if whoever sets up the rules decides you exceed some rather arbitrary threshold.
I admit the idea is clever, but it seems extremely unlikely that any detailed system structured around it would generate a society that a significant number of people would find more desirable to be born into.
That’s unfortunate. Who wants to guess how a poor criminal will manage to pay for insurance?