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it's existed for me at various times in my life,

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There are probably few that haven't experienced that dumbass, but being financially forced has nothing to do with the subject.
I'm going to tell you something that may shock you, so sit down, never mind I'm sure thats what you do all day , But back to the news, there was vehicle insurance before it was legally required. People actually bought it because they thought it was in their best interest.

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what's next HB you gonna explain to me the evils of my SUV ownership

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I thought you had a Honda?

Me liberal, no you're more liberal then me. I'm a conservative who knows that sometimes its better to try and slow the train down, rather than stand in front of it like a liberal would, and you suggest. In case you were looking the other way, the House passed another freebie insurance this week.