Eh, i see your point But I think we're going to have to agree to disagree on this one. Most people are quite financially irresponsible, and I would not want to be in a situation where i am reliant on somebody else to make me whole. In a car crash, for example, if I am not the one at fault, and they don't have any kind of insurance, then it's up to me to replace my car, pay my medical bills, etc.
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