I almost had to sit for a jury trial. Guy stole things worth less than $950, was likely homeless, the prosecution took 22 months to build a case and failed to leverage a plea bargain, named about 30 law enforcement officers and/or forensics specialists as potential witnesses, and jury selection started with 100 citizens and took 4+ days, then the judge claimed it would take 6 weeks to try the case.
The problem isn’t just insurance. It’s that prosecution is insanely slow and is far more harmful to society than the actual crime.
It also results in a disincentives for all parties involved to invest all the time and effort. You could either convince everyone that "don't be insensitive it's a lot of money for them", or you could try to make the process easier.
If people work for my living and see someone just steal for theirs with absolutely no consequence, what they learn is that social dysfunction is optimal, and that doing otherwise is being a chump.
Please re-read your parent. Same concept here. If you make it that comfortable, then why work? Keep in mind that there will always be people who want things the programs won't provide that they're literally willing to kill for - drugs, the newest iPhone, in-style basketball shoes, etc.
Now, I do agree in a parallel way, but with a different solution. If we fix structural problems preventing people from being, or having hope of being, productive members of society, than that can prevent some crime.
I wonder why insurance is so high...