While hunting for relevant Cavalcade of Risk posts (something I do to help out hosts), I ran across this fascinating article on K&R (kidnap and ransom) insurance:
"... it doesn't take much imagination to see that kidnap and ransom insurance feeds a flourishing worldwide enterprise in criminal activity. It's the insurance equivalent of derivatives in the securities trading market. There's no stated law against it, so it must be okay."
Provocative, yes, but oddly compelling. Recommended.