But there is a solution to that. Anything that can be easily identified as being the result of someone's own choices they are on the hook for and/or can get insurance for. Yes, these things would have to be enumerated, with some things debated and others refined, but insurance companies didn't seem to have any trouble enumerating what they will or will not cover and this isn't any different. Most if not all of the issues with implementing a system like this will be things that have been done before.