Offloading the work of law to insurance companies rather than retailers doesn't really sound like we're making any progress.
Sidebar: this is super common btw, had more than one law professor go on a rant about how all the CS people in their courses just want to push everything to the actuaries and create a de-facto court system within insurance.
Insurers already do this... They don’t insure risky companies or they have to charge such a high premium that constantly failing and restarting is not cost effective. I think most complaints here are from people trying to buy legitimate products.
