Zero-tolerance is fine if the goal is revenge or punishment. If the goal is real change then something more effective is called for. The focus must be on healing and support for victims alongside change for both perpetrators and potential perpetrators.
People are interested in some assurance that health care won’t bankrupt them. Insurance is the most common vehicle for that today, but that’s not because people inherently want insurance – just see those young and healthy people who would rather not get insurance because their brain assures them they don’t need it.