@cjd

Supremacism works for all ethnic groups. They all believe they are the chosen master race, and that's probably healthy.

However, I think the problem with white supremacism is that it is not tied to culture. Culture produces goodwill and zaps violators.

The insurance idea is a good one, since it transfers the cost of criminality to everyone through collective punishment.

Taxes are unaccountable and always wasted.