Every gun owner in American must have insurance and be strictly liable for all injury, damage, or death arising from his or her gun, whether stolen or used by someone other than him or herself.
Strict liability in Tort with no limitations on liability.
Why is this important?
Gun laws are one thing. Making the user of guns strictly liable would be one clear way to protect Americans.
Everyone is licensed and the license requires insurance, much like a car.
Uninsured will be covered by gun manufacturers who must pay for the right to sell guns and are also liable for any acts or deaths arising from the use of the gun that they put into the hands of anyone.
Liability is the answer. When someone else has to pay, the Congress will take notice. Market economics to control the sale and use of guns.