Simple Solutions to the TSA Scanner Policy

I've two simple suggestions (alternatives) to offer for TSA to adopt.  They should either require passengers to go through their scanners, or through the pat-down process, or do one of the following:

• allow up to 5 percent of the passengers on a flight to go without scanning or pat-downs, provided they wear a bright yellow vest with a big question mark on it from the boarding gate, through the time they're on the plane, until they get off.  That way their fellow passengers can keep an eagle eye on them, ready to jump them if they make a suspicious move.
• allow a person to board a flight unscanned if they buy flight insurance indemnifying the airline against loss of plane and passengers against loss of life in case of a terrorist attack.  We've pretty much guarded against planes being taken over in flight to be used as weapons, so the big danger now is simply the downing of a plane.