It’s not a completely separate discussion though. If driving is necessary to live and work, and you legally have to have insurance to drive, then I believe that to be a completely reasonable connection. I’m not saying we shouldn’t have a system in place to ensure people’s lives don’t get destroyed without proper compensation, I’m simply saying our current system is broken, and to try to justify it with saying you can spend what amounts to more than what the average person annually makes in the US is ridiculous.