Exactly, and why monetary incentives should be relegated to law enforcement, IMHO. Hmmmmmm So, common sense tells us criminals do not want to get shot. They'll try to avoid persons/places they know have guns, except of course for the extreme nut cases that may be targeting someone famous or political, regardless of what bodyguards they may have. I love the idea of signs that include "This neighborhood patrolled by Concealed Carry Holders".
But as for incentivising 5% of the population to be CCW holders?.......hmmmm......perhaps they can be provided extra discounts or even free access to Gun safety courses and defensive pistol competitions. My time in IDPA (International Defensive Pistol Association) was very rewarding and instructive