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The two posters above touch upon a major problem. Negligent, irresponsible gun owners. But there is a partial solution that could significantly mitigate it.
And I've read about it on this very venue, USMB.
And that is "Strict Liability".
Meaning, if you are the OOR (Owner-of-Record) and your gun is used to create harm then you, ipso facto, are on the hook for part of the liability.
And yes, that means even if it is stolen out from underneath the seat of your F-150 while you have a brew at Joe's Bar you still share in the liability. If you own the benefits of that gun, then you also own the harms.
With that approach our society will see fewer guns employed by criminals or into the hands of tragically killed children in the home. Because.......because of enhanced self-interest of the OOR. Now he knows to a much greater degree that with his right to own a firearm their is an enhanced responsibility. Accordingly, there will be increased security. Self-interest motivates such.