Once we get rid of QI (which we obviously should because it has warped into a nonsensical concept), is there any reason to believe that the police unions won't end up shoving indemnification clauses into their contracts, putting us right back to where we are?

At least the municipalities then would have to choose between never ending payouts or fixing things.

That’s already the case. QI doesn’t prevent anyone from suing the department or city. It only prevents them suing the cop. A system in which all cops are indemnified is simply QI with more paperwork.

That scenario is covered in my statement.

I disagree that municipalities would have much of a choice. Right now, a municipality is theoretically liable for every officer's actions, and could contractually share some of that liability onto the officers themselves. Yet they do not, presumably because the police unions do not allow it, and the system as a whole is great at shirking all liability for its misdeeds. Getting rid of QI does change the default option, but I would assume the unions would use the same negotiation techniques to get indemnification clauses.

Or completely replace departments that train and arm murderers.