Government beyond neighborhood scale is 90% corner cases. Defaults need low governance. Eg. If everybody drove carefully and there was universal healthcare you could get by with low traffic regulation. Accidents would still occur, but fault-based governance would be unnecessary.
Sounds like you're assuming that the system has evolved to some minimum governance equilibrium already, via some sort of efficient market hypothesis of regulatory evolution.
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It often has if you poke deeply, which most folks won't/don't. It tends to be my starting assumption. But this is not some kind of libertarian/Modernist fantasy. The reality is of course woolier/messier/redundant/inefficient (for good, ill, or just by chance, usually all 3).
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Due to professional stakes, I've given a lot of thought to universal healthcare vis-a-vis auto accident litigation, and it would probably not really avoid most of it
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