"What is the incentive of a tax-funded policeman to be good at preventing crime? The answer is virtually zero. His salary does not depend on whether he is good at preventing or not preventing. As a matter of fact, preventing crime might be somewhat dangerous to do. It’s better to go out, hand out parking tickets, speeders, and these types of people. The danger is relatively low that you get shot by doing this sort of thing.

Why would insurance companies be good at prevention? The answer is, whatever they can prevent, they do not have to pay up. That is, it is an element of reducing the cost of operation for them, so they tend to be better at it." - Hans-Hermann Hoppe from a speech delivered at the 2009 Mises University. https://mises.org/mises-daily/economics-world-government

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