Critical Reasoning (CR) | The government provides insurance for individuals’ bank

The government provides insurance for individuals’ bank deposits, but requires the banks to pay the premiums for this insurance. Since it is depositors who primarily benefit from the security this insurance provides, the government should take steps to ensure that depositors who want this security bear the cost of it and thus should make depositors pay the premiums for insuring their own accounts.

Which one of the following principles, if established, would do most to justify drawing the conclusion
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