WTF?
WHY should I pay extra, for extra coverage to protect me from the uninsured, or else use (nonexixtent) public transport"?
Let THEM stay off the road, and save the rest of what we are soaked for 'uninsured motorist' coverage---also mandatory in many places that "require" insurance.
Same reason why you're paying higher taxes and higher medical insurance.
And the federal government doesn't seem to want to get rid of that reason.