I don't think it'd be out of line to provide more and more insurance to those who want it. I also think we should put together some non-traditional policies that are available for unique and not so unique opportunities.
You could buy a $1 policy before you spend $10 on the next Indiana Jones movie. They agree to give you nine of it back if Indiana happens to run into aliens.
I could see spending twenty bucks on a policy that would cover me if I have to sit through 5 or more celebrations of catches that were made after a four yard gain. Maybe they pay me ocho cinco if it happens in one half, and $40 if it happens over four quarters.
What if we insuranced against scandals? I'd pay $100 for a ticket to the big game, but they'd refund the entire amount (assuming I bought they're anti-scandal policy) if we found out that one of the players bet on the game...or shaved points. Maybe we'd get back what he was paid or won?
I could buy food insurance at restaurants, slow play insurance at golf courses, and long line insurance at amusement parks. I think there's something to this..