[Person5478]

There's a certain class of people who believe the free market can solve all problems, and for these people, the way you inject said free market is by using insurance.

The thing is, you're right about it being convoluted and hard. But when you believe the free market cures all ills, you reach for the hammer even if what you're looking at is a screw.

Similar to the adage "everything's a dildo as long as you have the will", the other truism is "everything's a nail if your hammer is being enough".

We really just need to fire bad cops, but that solution isn't tenable due to police unions. The real solution has nothing to do with the cops themselves and everything to do with busting the police unions.