In theory that sounds good, but I think in practice it would fail. The vacuum would just be filled by some other nefarious and violent group. I like the idea o

In theory that sounds good, but I think in practice it would fail. The vacuum would just be filled by some other nefarious and violent group. I like the idea of police having to have personal insurance. If they screw up enough, they lose their insurance and thus cannot afford to still engage in policing. Add to that outside oversight to their affairs (internal affair investigation is just prone to corruption) and let their unions only fight for working conditions, wages and benefits instead of being a lobby to keep bad cops.