The people still pay for it. They pay for all the settlements, plus they pay another big slice on top for the insurance industry (since they do nothing for free). Then cops do the same thing, and lobbyists push on the insurance industry to allow them to keep breaking heads because "you can't do this job without breaking heads once in awhile". And nothing changes, except to get worse.

I'm sure the idea seems really clever to you. I mean, you invented it. Or maybe just read a blurb about it on reddit once.

In the medical world, insurance premiums have never forced an incompetent quack out of the field. They have their licenses pulled by the board (but only after some small number of tragedies). And you can't use that model on police either, because there's a big difference between a professional/academic who must study and train over a decade to even be able to operate independently, and grunts that you need in large numbers to go insert themselves into fights, troubles, and disputes. It's very likely that if there is a sophisticated, intelligent solution to our problems with police you wouldn't even like the proposal upon hearing it. I will search the rest of this thread for things you criticize, since that might be a good signal that it's worth reading.