Thanks, I have not a lot of experience with insurance companies other than being screwed over a couple times. I do know of the mutuals but, they seem more alive in idea than practice now as most appear to be much more 'regular' than community. But again, I am unsure.
Regulators are always going to be the issue I think until a system is built that cuts them out of the conversation.
Are there enough people to cover a large claim?
What if it is a percentage of the tax system itself rather than being separated out?
A solution is a long way off it seems at this point but, it is interesting to think about for potential future applications to move towards in some way.