Many laws are formed around the basis of "just in case," for example marijuana prohibition exists because there's a threat that criminal organizations might be

Many laws are formed around the basis of "just in case," for example marijuana prohibition exists because there's a threat that criminal organizations might be beneficiaries from marijuana sales. What if we knew which sellers were contributing to crime and, more importantly, which weren't? If we have the opportunity to reduce friction in society, then why not? Insurance -- of all kinds -- is another area dominated by "just in case" policies. What if we really knew which insurance claims were fraudulent?