Yep, an alternative model enabled by technology is mutual &#x2F; cooperative insurance in which the policyholders not only own the company but also govern the release of funds. This way incentives are aligned - the insured want the insurance to act fairly, even with respect to others, so that it will be there for them. It would be something like gofundme but on a subscription basis, with up or down decision-making by subscribers.<p><a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Mutual_insurance" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Mutual_insurance</a>