Swedes in good hands with P2P insurance policy?

An article by Greg Sandoval and Amanda Termen, Staff Writer, CNET News.com, includes:

File-sharers in Sweden, which recently began cracking down on Internet piracy, can now buy insurance to protect themselves from government fines.

This is another case where the entertainment companies are missing the boat. While it is clear fans are interested in flat-fee "all you can eat" type services, requiring payment rather than permission like how commercial radio and cable television works, the industry is handing the market over to an insurance company.