But you're not paying them more to be a cop. For the good cop they get paid a little more, they buy the insurance with the money, nothing really changes.

For the bad cop they get paid a little more and pay a lot more for the insurance, so that it eats too much of their salary and they have to quit and find another job.

The people who are in it for honor and duty aren't going to be the ones paying the higher premiums, right?