Points well made. I am waiting for the liberals to demand that they can sign up for auto insurance after they wreck their car.
It will happen.
Auto insurance is a good example but not for the reason that you cite. To drive, all states require the driver to carry at least liability insurance. Most states require auto insurers to insure a certain amount of high-risk drivers in order to sell insurance in the state. There is a limit to how much they can cherry-pick the best customers. Why? It was decided that for society as a whole, it is better for everyone to have to pay a little bit more for auto insurance than to have someone suffer a catastrophic loss due to an uninsured driver.