[bisonbison]

He was referring to private security insurance. Which is different from your health insurance.

Gary is a lawyer. Gary is rich and is afraid of theft, so he hires a bodyguard, Bob. Sara and Gary broke up and now, during Bob's lunchbreak, she walks up to Gary in his office and shoots him.

Gary's family feels that Bob broke his contract and will pay to get his last month's wages revoked.

In order for insurance companies and clients to trust that each will hold up their end of the deal, they've gotta be willing to resort to force as punishment, or subsidize a watchful arbiter who is.