Based on such twisted truths, morals and ethics as reflected in your statement "the state of California does require auto insurance..taxes are voluntary..I do not need money in the bank to write a check"; clearly it is the former.
As better as it may make you feel about yourself, most Americans do not twist & fabricate the truth to suit their bigotries of the moment...especially those in the insurance industry. Happy hatred.
While my comments applied to an industry, in general, your attack seems to be of a (forbidden) personal nature. Why is that, I wonder.