I am willing to take that risk, as I would pay for my irresponsibility after
it happened not before and "in case" it would happen. I trust my driving ability enough to know that I would not hit your car Miss Scarlet.
Responsibility to those who deserve it; I and other responsible drivers don't deserve to pay for an accident that has not happened, just because statistically
an accident could happen.
Obligation to pay for the irresponsible actions of others is not a virtue I hold dear.
Many choose to take risks in life, without risk the reward is little.
One doesn't have
to abide by the law(of the common people, if I may add) it is one's choice to take that risk of not following the law, and suffer the consequences for the failure of their actions.
Paying the church a tithe is also a form of insurance. Think about that for a minute...