sub make_insert_func {
    my @PLACEHOLDERS = ('?') x @_;

    local $" = ',';
    my $SQL = "INSERT (@_) INTO foo VALUES (@PLACEHOLDERS)";

    return sub {
        my $dbh = shift || return;
        my $sth = $dbh->prepare($SQL);
        $sth->execute(@_);
        $sth->finish;
    }
}