This problem could be related to asymmetric information. In case that a huge converage of K&R is known you become a valuable target for kidnappers so the cost o

This problem could be related to asymmetric information. In case that a huge converage of K&R is known you become a valuable target for kidnappers so the cost of the coverage should increase, so if the coverage is known the insurance company could negate payment allegating that the ground rules has changed.