????盡管如此，經濟學家還是列出了持有槍支的價格成本，密歇根大學（University of Michigan）經濟學教授賈斯丁?沃爾夫斯最近通過美國國家公共電臺（NPR）也對此進行了說明。成本不僅包括購買槍支的實際花費，而且還包括經濟學家所謂的“社會成本”——即槍殺無辜人士之后可能引發的悲痛和損失的價格成本。沃爾夫斯引用了2005年的一項調查寫道，對于持有槍支的家庭來說，這一成本的區間是100-1,800美元/年。

????雖然責任險可以用于支付這個成本，但人們不禁會想，就算那些窮兇惡極、持有槍支的暴力犯罪分子會進行槍支注冊，但是也沒有多少人會購買責任險，因為法律中沒有規定。

????麻州眾議員大衛?林斯基在1月提交了一份法案，要求對不投保的槍支持有者處以罰款或關押。他說，不管怎么樣，責任險可以降低事故率——那些對槍支進行安全儲存的槍支所有者將支付較少的保費。

????正如沃爾夫斯所建議的那樣，如果有責任險的存在，桑迪胡克槍擊案可能會有所不同。

????他寫道：“這是一種謹慎的解決方案，它既可以讓喜歡打獵的人們繼續追求自己的愛好，也會敦促人們采取預防措施，而且人們也都希望蘭扎一家（桑迪胡克槍擊案兇手的家庭——譯注）在一開始就能采取這一預防措施。”然而，保險行業最終會同意這么做嗎？（財富中文網）

????Nonetheless, economists have come up with the price of owning a gun, as University of Michigan economics professor Justin Wolfers recently noted to NPR . It's not just the actual cost of buying the weapon, but there's also what economists call "social costs" -- the price of grief and loss that might follow if the gun were used to take the lives of innocent people. This could run anywhere between $100 and $1,800 per year for a gun-owning household, Wolfer writes, citing a 2005 study.

????Liability insurance might compensate for such costs, but it's also hard not to wonder if the most violent criminals that own guns would even register their weapons anyway, much less buy liability insurance because the law says so.

????Regardless, liability insurance could reduce accidents -- owners who store their weapons safely would pay less for insurance, as Massachusetts State Rep. David Linsky said when he introduced a bill in January to fine or jail anyone found in possession of a gun without insurance.

????As Wolfer suggests, liability insurance might have made a difference in the Sandy Hook shootings.

????"It's the sort of careful solution that would enable people who enjoy hunting to continue with their passions but also push them to take the sorts of precautions that we all wish the Lanza household had taken," he writes.

????Could insurers eventually agree?