And we could just eliminate rape if we tried harder, obviously. Why hasn't Abbott eliminated rape in Texas yet?!

Look, I agree we should try harder to reduce crime. But arguing having insurance against fraud is bad and we should instead just try to get rid of crime seems incredibly naive. Sure, there are things which could potentially be done to help reduce fraud, but there will still be fraud. In which case the value from the insurance is still >0 for the victims of said fraud. And a ton of Americans will still be a victim of fraud even if we try harder with technology available today. If we were to move to all Blockchain transactions, those people would have no recourse.