I just want to rant about how dystopian car “insurance” is.

Set aside all the justifications / propaganda you’ve heard about car insurance, and think about how it actually works. You’re legally obligated to pay a corporation for the right to use your vehicle on public roads. What do you get out of it? For the vast majority of people nothing. Even if you get in an accident they’ll do their absolute damnedest not to pay you or to pay you a pittance that you could’ve covered with a fraction of the cumulative fee. That’s basically the text-book definition of a scam. Even if you do have “good” insurance (doubt) they’ll have higher prices due to all the scammy insurance companies. It’s a legally obligate scam – insurance has effectively turned every public road into a toll road.

Frankly, I feel this way about all forms of insurance, so I doubt anyone will take me seriously (It’s not hard to save and invest money, with that the entire notion of insurance kinda falls apart). Still legally obligatory insurance is a particularly disgusting form of oligarchical capture.