But couldn't an insurance company mechanism be used for a law enforcement policy? Or would the ubiquity of an insurance company mechanism keep law enforcement f

But couldn't an insurance company mechanism be used for a law enforcement policy? Or would the ubiquity of an insurance company mechanism keep law enforcement from getting their hands on it? Instead of the potential for conviction, people would just pay increased premiums? Kinda like the idea that you need to spend your money in your local economy so people are incentivized to participate in it rather than mug you?