America's moral spine is wobbling. Consumers tolerate insurance schemes more–and like the insurance industry less–than they did 10 years ago, research by the Coalition Against Insurance Fraud reveals.

This combustible mix of toxic attitudes is fueling a $30 billion annual crime spree against property-casualty insurers. The losses are unacceptable but continue year after year. It's time to get serious and think big.

Trying to arrest fraud out of existence only gets us so far. We also must reverse the undesirable public attitudes that encourage insurance fraud to thrive. Let's stop starving our public outreach efforts and invest in a proven force of large-scale social change.

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