Excerpt:
"When the government requires you to buy something (or take something) it is prima facie evidence there is probably something wrong with it. That there is little, if any, benefit to you – especially if you are a responsible, prudent person – and probably a great benefit to those who are not. Who are almost invariably the ones insisting you be made to buy (or take) whatever it is they favor forcing you to buy (or take).

Car insurance falls into this category.

It is not an evil thing, as such – but becomes so when it is required. The latter being too polite, too evasive a word. When the government requires anything it is threatening everyone.

You will buy insurance – or else.

So as to be made to pay for the harms you haven’t caused – as well as those caused by others.

Instead of coverage based upon you, the individual – and your individual risk profile, based on actuals harms you have or have not caused and your particular individual likelihood of causing harm in the future, extrapolated from your specific record – you are collectivized into a herd of people whose risk (and actual causing of harms) is higher. And because this mafia can force you to pay, you are made to pay on the basis of tenuous-at-best “risk factors” such as the number of tickets you have received for various traffic infractions.

All of them pretexts and excuses.

If they had no power to force you to pay, they would not dare to raise your premium to the exorbitant levels now commonplace – which are commonplace precisely because they can force you to pay them."