You need simply to pool similar risk exposures. 1. Identify risk exposure, 2. determine the probability that the peril will manifest, 3. price the consequences in the event that the peril does manifest. The requisite ability to calculate the probability that the exposure will manifest is essential - must be a real number. Only then can the pooling arrangements be made to diversify the risk away. Unfortunately, Insurance and banks are very satisfied with current state of affairs - as long as the risk is priced correctly, they are agnostic. It will take a person of exceptional vision, or greed, to exploit an arbitrage opportunity in the portfolio against the real vs. market value of risk. Curiosumé reduces the incentive to cheat, therefore the vetting mechanisms are greatly minimized which reduces transaction friction while improving speed, liquidity, etc. Intelligence is high because one can test scenarios with a proxy of the persona(s) not the actual person outside of the veil of security. Anonymity is preserved until point of transaction.