To some degree, ... this election is a referendum on what people think about Arnold's concept of reform.
First is the price tag - it's huge, and the financing details are fairly complex. People are going to want to know how realistic is it that you are going to get this money.
It's pretty clear that terrorism-war themes no longer work in keeping people in line.
This was supposed to become a consumer-oriented office. For him to take money from the insurance industry is risky because people expect that position not to be in their pocket.