Auto and home insurers in fact do pay customers for risk-mitigation actions like driver training and alarm systems, just as health insurers pay for preventive medicine.
They don't pay you for those things, and nor do they pay for them. They reduce your premiums if you have them. That's perhaps a subtle distinction, but it's a critical one.
If you're suggesting that an annual physical exam is the risk mitigation equivalent of a car alarm, then GEICO should have eaten the extra cost for purchasing a car with one installed instead of charging a lower premium because you have one.
