Phase Transitions in Collective Trust: Universal Threshold Discovery Dataset (124 schemes, 1972-2025)

This dataset provides evidence for a universal phase transition in collective trust systems at τ* = 0.68. Analysis of 124 insurance and risk-pooling schemes spanning six continents and 53 years (1972-2025) reveals discontinuous system behavior: above this threshold, schemes exhibit resilience and self-organization; below it, they experience cascade failure regardless of financial soundness. The dataset includes:- Primary scheme data with trust scores and retention outcomes (n=79 contemporary, n=45 historical)- Network analysis metrics- Cross-validation results confirming threshold stability- Analysis summaries with statistical validation Three identification strategies establish causality: randomized trust interventions, regression discontinuity analysis (18.4pp jump at threshold, p<0.001), and Granger causality tests. The threshold remains stable across oil crises, financial crashes, technological revolutions, and COVID-19, suggesting a fundamental constant in human cooperation systems.