It's a mildly interesting game theoretic problem, where if you are attacked and you pay, that wins over not paying -- but if you are not attacked and others pay

It's a mildly interesting game theoretic problem, where if you are attacked and you pay, that wins over not paying -- but if you are not attacked and others pay, that loses you money because now you need insurance. So the actual optimum is for nobody to pay, but good luck on that.