“Jumping the turnstiles of the Paris metro, like red wine and croques de monsieur [sic], is a part of the city’s culture. Unlike Cabernet and croques, it’s an offense punishable by a $60 fine. So a band of savvy freeloaders have created an insurance fund for fellow fare dodgers. Fraudsters with foresight can pay about $8 a month into an underground, city-wide scofflaw pool. If they get busted, … they collect the $60 [to pay the fine] and go back to jumping turnstiles. … [So] let’s brainstorm some ways we could import this small-time misdemeanor insurance idea.”