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Instead of being hyperbolic why don’t you share your idea then?

Markets are not perfect but on average they do a decent job of finding equilibrium.

“Democracy is the worst form of government—except for all the others that have been tried.”

I'll join in to proffer that where they lack, it's often exactly the sort of thing you describe: some externality is missing in the price

Agree but better than the system we have today. There will always be issues with it but I think on average it would better incentivize hiring lower risk employees.

I'm agreeing with you: it would essentially be applying a missing cost to the current externalities

Yes, I was agreeing with you and just saying differently that no system is perfect but it would attempt too price as best as possible.

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