Christians are called to live in faith. To live in faith is not a psychological state. Faith is a community. One is not in faith as an individual, one is in faith in a body of believers, this is a community of the faithful. To be in faith is to be in a community of faith.
Gods Test Of Faith
The opposite of faith is fear. The enemy of the faithful is fearfulness. The faithful cannot tolerate fear to exist among them. If an action or idea instills fear in the faithful it is not fundamental to faith and needs to be discarded. At the same time, an action or idea composed by the faithful ought to instill fear and dread in the hearts and mind of those who already live in fear,
The faithful then must build communities of faith that is communities that shed fear. Part of this process is the elimination of liabilities, risks and social costs. Insurance is not permitted in a community of faith. Insurance measures the fear within a body of believers and ought to register zero.
Policing ought to be minimal and provided primarily by the adult population. Depending on the exposure to the fearful.