I think the only thing we see eye to eye on is our dislike for Jon Jones, Sideways. I cannot believe what I'm reading right now.
You are suggesting the UFC do away with it's insurance policy because fighters are getting injured and having to pull out of fights? How is it fair for the fighters who will have to pay out of their pocket for injuries they sustain in training camps preparing for a fight? Fighters pulled out of fights before the insurance policy was in place. Your solution suggests the insurance policy for fighters creates an incentive for fighters to drop out of fights which is wrong. Fighters want to fight because they get paid per fight, per show, they miss out on a potential bonus, on marketing, they age etc.
Fighters are pulling out of fights because they have to, not because they want to.