?? I'm not sure what you are referring to. The role of insurance would simply be a type of guarantee of a standard of behavior...or financial restitution for loss suffered by others for our transgressions/mistakes. This seems to freak you out. This makes no sense as under the current system there is little restitution for wronged parties, other than INSURANCE. People are fed into the criminal justice industry, jailed, lives ruined, fines paid, not to victims, but to the state. People would have the right to restrict their associations and trade to insured people, people would have the option to not be insured and run the risk of finding trade difficult. For example, what would be so wrong with a young person who caused a death in a car accident to contract with the family of the deceased to work in some capacity for a length of time as restitution? There would be only social pressure providing incentive for this, the person might find others unwilling to trade or socialize with him unless he does behave in a manner of responsibility. This is where smaller, more homogeneous communities would be of value. If the individual left without restituting (?), people in a new community might require some kind of recommendation or insurance,guarantee of a standard of behavior before trading or socializing.