Well preschool children figure out problems mainly because it helps them learn problems they are dealing with and problems in the classroom and lastly beacuse there are problems in LIFE.
The draw back would be that many crimes would go unpunished. Some victims could be to scared, some would prefer to forget about the crime and focus on other things in their lives.
You are simply asking for the equivalent of 2 points for the mortgage of $175,000. Since 1 point is equal to 1% of the mortgage, 2 points is 2% of the mortgage then.
