The taxpayers are being defrauded when the police they pay don’t act - and the insurance companies are being defrauded because they’ve factored the presence of a paid police force into their pricing for policies. This doesn’t just impact property and auto insurance; it impacts life and health insurance policies as well.
I don’t buy the premise that Columbus inflicted violence on the locals. He arrived in three small ships, crew size about 40 each. Had he imposed violence on the locals he would have ended up like Custer.