The point is to make the individuals pay for their own misdeeds. Like car insurance. If you have a clean record, your car insurance is low. If you have multi

The point is to make the individuals pay for their own misdeeds. Like car insurance. If you have a clean record, your car insurance is low. If you have multiple at-fault claims, your insurance is prohibitive. Why can't we do the same for professional services? The individual who acts ethically ends up with lower insurance than the individual who acts unethically. And at the same salary, the ethical person will take more money home. That's individual incentive.