I cant afford insurance and i also cant wake up 3 hours before my work begins every day and hoof it there, work on my feet, then head back.

Not only that, it is legally impossible to cross my city on foot. The city is bisected by a highway that once it reaches the side of town where my work is at, there are no sidewalks, no crosswalks, no bike lanes, literally nothing. In order to cross you have to wait for a lull in the constant traffic of cars doing 45-50 in a 35 in order to cross 3 to 4 lanes. Either that, or you stay on one sidr for the whole walk via walking over private property of homeowners or businesses.

So basically you jaywalk or tresspass to get around town.