One thing I have learned as I've gone through the public policy world on both sides of the fence—I used to be in the government and I'm in the private sector now—is to be aware of the law of unintended consequences. A worry is that if you establish, say, an insurance fund against fraud, do you run the risk of actually making fraud more likely? Then you have a situation where people can let their guard down: “Oh, there is a fund, I don't have to worry about it so much, I will be protected.” It could actually result in a situation where you're not actually addressing the need--
On October 18th, 2011. See this statement in context.