I think payout is fair in case of such mistakes, and properly aligns incentives to avoid it.
In fact,
such system is already more then 30 years old in US.
And looking at article, payout frequency is far from being excessive. So, really, i don't see where your opposition to this idea lies.
Well, can you tell me how it is
called at least if you cannot transcribe it here? It is pretty hard to get specific highly technical data through "what i think it might be called".
What is definition of "prevent" here? Obviously some people still can get infected (at low chance overall), but it is statistically unlikely (but should still be
possible, just at fairly low chance) to spread.
And how does it look at 93%?
Clearly we aren't talking about world-wide immunisation at this point yet.