Well no, because under jedbrown's scheme the insurance is there to pay the claim. Simple analogy: a homeowner still has to make a claim if their locked, alarme

Well no, because under jedbrown's scheme the insurance is there to pay the claim. Simple analogy: a homeowner still has to make a claim if their locked, alarmed house is ransacked while they're away. Insurance may subsequently deny the claim if it's shown that the homeowner failed to follow best practices, such as locking doors and windows. In other words, adherence to best practices is a condition of insurance.