1) NO gummint interference.
2) See rule 1.
3) Competition across state lines and the winnahhhh
4) EVERYBODY BUYS AND PAYS FOR THEIR OWN INSURANCE.
Ever hear of an "uninsured motorist?" I even pay extra on my insurance in the event I'm hit by one. We still need to figure out how to make it not only affordable, but to get everyone's skin "in the game" so to speak.
Not saying it should be mandatory, but you can't walk into any hospital whenever you have a headache and demand an aspirin.