Comment: You overlook

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In reply to comment: Learn some basics about insurance (see in situ)

You overlook

the simple fact - without governmet audit, independent financial audit and IRS, NOTHING can stop private police and private insurance to form a mafia. Detective work is not a healthcare insurance where you can use your own logic to see if the medical treatment was used rationally.

Keep in mind, I am not talking about property insurance where you are compensated by default - whether they caught a suspect or not. This is security firm insurance. If you are lucky and the police caught a suspect (which is stupid, they would be interested in more crime) then you need to pay more for arbitration, then for punishment if the convicted cannot pay back.