Roman has a business (he owns a cab company) and most of his debts are cleared thanks to Niko killing a whole bunch of people for organized crime (and in the end, killing off most of the big name criminals because they kept going after each other). But he still wants Roman to have the insurance without someone else having to do anything like that.

It will probably seem like the gangs are a big problem until people see how fucking awful the cops are and how rude average people are. Niko is surprisingly nice for his world.