music-lover’s liability insurance?

Occasionally an idea gets tossed out here that pegs the needle on the Dumb Meter. music-lover’s liability insurance is the latest winner.
Dave Winer thought this one up:

“How about music-lover’s liability insurance?

Companies,even small startups,buy director’s liability insurance. Without it they’d never get high net worth individuals to serve on their board.

How about RIAA and MPAA insurance. Pay $1000 per year and download all you want,sure that if the RIAA wins a judgement against you,you’re covered.

I bet a lot of people would go for it. Think of the peace of mind it would buy.

Then hopefully,the RIAA would get the idea that they could cut out the middleman.”

How fucking dumb is this? Pay a grand a year,and still get your ass sued by …wait for it…..the RIAA,which is the middleman for the recording industry!
Using Director’s Liability Insurance as a poster child and framework for music junkies is a stupid idea as it allows for the continuation of the current jihad by the recording industry and does nothing to address the systemic problems created by an industry whose track record in dealing fairly with its artists who are responsible for creating music,is riding the thin line of legalized slavery.

Dave’s source also says this:

D&O insurance poses corporate governance issues,as it makes it easier for directors or officers to engage in acts they know to be wrong.

Giving an industry who regard their customers as thieves out of the box,and whose fingerprints are on every piece of copyright extension legislation in the last 30 years,creating a social welfare program for an industry whose days are numbered,another enabling scheme like this is just plain dumb.