Should there be increased training requirements for a CCW

Call me crazy but I think every discussion about licensing shows how society is moving away from personal responsibility and trying to put it in the hands of the govt. I belive there can and should be an economic incentive to being trained, either in the operation of a car or the carrying of a weapon. As an example if insurance co's offered a discount for drivers who went through training we should see people go through training. Same goes for life insurance. If someone is trained on how to defend themself their premium should be reduced to reflect the decreased risk of having to pay a widow. Granted the premium reduction would have to be enough to justify the expense of being trained.