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I feel like all public servants (including cops) ought to have public liability insurance, where money would end up coming from in these situations, which then the employer (police department, other department) needs to pay, the employee is aware of, and is part of their renumeration (i.e. the more their premiums cost, the less they're making), making idiots more of a financial liability to themselves.
Quite quickly you're going to have people acting as responsibly as possible if you're insurance premiums then go up when you act like a moron.
Obviously this would require protections so that people don't end up being screwed over by insurance premiums, but still, this seems to be an issue in public service all over the world, no consequences because the tax payer just ends up footing the settlement, and the public servant goes on their merry way.
I doubt the insurance for this would be feasible cost wise. It's easier to blame the victims. Police is never accountable for their actions. It's a perk of this job.
They're already exists a police liability insurance market, NPR's Planet Money podcast have an episode about it.
it's just tax money, that's all