Insurance, Background Checks, and Liability

Christians often say “Jesus is King,” but live as if someone else has to keep order. Every system promises order. Few ever ask what that order costs. Craig sits down with economist Bob Murphy, author of Chaos Theory, to explore a disruptive question many Christians have never been invited to ask out loud: What if law, safety, and social order didn’t require rulers at all?

This conversation isn’t about voting, parties, or political strategy. It’s about discipleship. Craig and Bob wrestle with fear, control, Christian politics, and the quiet assumption that force is necessary to hold a society together. They examine what a voluntary society might look like in real life—how cooperation could replace coercion, why consent matters more than compliance, and what changes when no one gets a special pass to use force “for the greater good.”

Along the way, Craig keeps circling back to Jesus. If we wouldn’t threaten our neighbor to make things right, why do we trust systems built on threats? And what does it say about our faith when Christian nationalism feels more practical than the Sermon on the Mount?

This episode gives listeners language for naming fear, tools for thinking beyond power, and space to ask a deeper question beneath the politics: Do we actually trust the way of Jesus to hold a people together?

Their conversation digs into:

• Why “law and order” feels safe—and what it costs

• What a voluntary society actually means (and what it doesn’t)

• Contracts, incentives, insurance, and reputation as alternatives to force

• Why voting isn’t the same as consent

• Fear as a driving force behind Christian politics

• Christian nationalism as a discipleship problem, not just a political one

• A simple test: would this be okay if my neighbor did it?

• Read the Book: Chaos Theory (buy on Amazon), Chaos Theory (pdf)
• Bob’s other books: Contra Krugman: Smashing the Errors of America’s Most Famous Keynesian; Lessons for the Young Economist; Choice: Cooperation, Enterprise, and Human Action
• Bob’s Podcasts: Human Action Podcast and The Bob Murphy Show
• X (Twitter): @BobMurphyEcon
• Bob’s YouTube Channel: @BobMurphyAncap

Try This Week:
Notice where you assume force is necessary. Pause before reaching for control. Choose persuasion, presence, and honesty in one real situation, and see what it reveals about what you trust.

📖 For Full Show Notes:
www.thebadroman.com/show-notes/episode-154

Key Moments:

(00:00) Voluntary Society: “Wouldn’t That Be Chaos?”

(00:45) Welcome Bob Murphy

• Craig’s intro + how they got connected (Dominic)
  • Episodes with Dominic
    • Judas the OG Christian Nationalist: Why Imposters Are Worse Than Opponents with Domenic Scarcella EP #147
    • Christianity Unpacked in "Good Neighbor, Bad Citizen" with Domenic Scarcella EP #97

(06:19) Why Bob Avoids the “Anarchist” Label

(07:19) Sermon on the Mount + Politics That Fit Jesus

(10:57) “I Don’t Have to Have a Plan”

(11:33) Salsa Break: No King but Christ

(12:14) Chaos Theory: Contracts

(14:37) “Institutionalized Aggressor” + Imposed Rules

(33:14) Insurance as Due Diligence

(34:03) Incentives: Background Checks + Risk

(46:57) “Give the Experts Guns” Problem

(58:27) “Aren’t Insurance Companies the Government?”

(1:03:24) Where to Find Bob + What He’s Building

(1:04:22) Wrap-Up + Possible Part 2

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