> that's called paying insurance.

Not really, because there are costs which are not apparent, or are a matter of policy.

- What is the cost of annoying me with drones' noise? I hope the government decides it is non zero.

- I do not know about drones, but I know about a past blunder: what is the cost of operating a nuclear plant? Now it is clear that it must include the non-negligible costs of disposing of nuclear waste and dismantling the nuclear plant. The operators of nuclear plants have reaped the benefits and left society with the costs. I very much hope that we are not so naive this time, and society is able to properly evaluate all costs, and pass them to the operators.