I don't think it's quite analogous to ransomware insurance because a patent troll incurs its own costs from fighting out a lawsuit in court. So by credibly comm

I don't think it's quite analogous to ransomware insurance because a patent troll incurs its own costs from fighting out a lawsuit in court. So by credibly committing to bitterly fighting out each patent troll lawsuit, it can deter patent trolls from suing its members, and actually lower overall costs. Credible deterrence is important in an iterated game.