Sorry, that analogy does not work for me.
So what did people do before they had cars or mandated insurance?
They apparently were able to get along.
They didn’t get along. People got stuck when someone injured them and couldn’t pay.
The injured person ends up paying twice. He sustains injury, and he gets to watch someone walk away from their obligations.
Really, it isn’t a matter of whether it does or doesn’t work for us. It’s a matter of property ownership.
You are saying that anyone can injure my property and that’s my tough luck. And here I was thinking I owned it.