Here you seem to understand the basis for inference: > the insurance company strictly insists that employees not be told that there is insurance. The stated i

Here you seem to understand the basis for inference: > the insurance company strictly insists that employees not be told that there is insurance. The stated inference: >> Each individual company might try to motivate slightly better behavior in their own clients but overall they want their administrative percentage of a growth industry so they drive up absurd costs like the US health care industry The background concept that applies irregardless of whether a parasite is "criminal" or standard practice (of course every parasite can claim something symbiotic, maybe kidnapping is just freelance private security testing with post pricing): https://en.wikipedia.org/wiki/Parasite_load https://en.wikipedia.org/wiki/Parasite_load The insurance parasite/symbiote load as percentage of GDP, compare the 1980s to now: https://data.oecd.org/insurance/insurance-spending.htm https://data.oecd.org/insurance/insurance-spending.htm The percentage of GDP lost in ransom? 0%? Terrorist ransom was also popular in the 1980s but government interfered directly, preventing most private payments and that response was primarily with force. So, would a government demanding €10k for every kidnap of your employees they hear of fix a problem? No, it would make kidnapping more attractive. It would threaten to involve a larger parasite (clearly this is too late in the case of kidnapping in this century!) And you would have a permanent problem with a powerful parasitic market deriving more profit than the primary market of criminals. Luckily, for food conglomerates their stock price is uninsurable. Unluckily for humans, government hasn't stepped in to prevent a market and much more profitable secondary markets for kidnapping in this decade. Unluckily for private data most governments haven't come down on the use of laundered stolen private data (i.e. outlawing the sloppy US credit market, any unique pricing of insurance to a group, etc.) Luckily, they have not gone so incompetent as to add an incentive that makes all private data valuable.