Some women are terrified of bats, others are afraid of heights, and those fears are no more your problem or my problem than Kate's terror of rape on the milk run. It is very, very easy for Kate to significantly reduce her chances of being raped, as getting a concealed carry permit and avoiding the company of black and Hispanic men will virtually eliminate the possibility that she will be forcibly raped. Even without taking any such defensive measures, the national rate of forcible rape is only 24.7 per 100,000 population, one-third lower than it was in 1990. This means that in a population of 308 million, Kate's chances of being raped in any given year are less than one in 12,000 and declining. This cannot be reasonably described as a "rape culture".
The combination of drama and victimhood is like cocaine for some women. As usual the concept of personal responsibility is often completely absent from their vocabularly.
I think that the idea of rape insurance is excellent. It makes one think about how one can increase or decrease the probability of rape.