this post was submitted on 07 Jul 2026
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When poor people have a car accident it's already fix it themselves, tolerate it, or replace it the vast majority of the time. When they do replace it what do you think the odds are the cheap insurance companies pay out more than they paid in? 3-4k is a lot of money when you're broke, but I think the only real change would be one less pointless bill.
Poor people are capable of saving money. Poor people are capable of driving. I'm sure the statistics are very interesting, but I don't think any of the mechanisms you propose suggest an inherent inability to drive or an inherent inability to save money. It is the burdens placed upon them that make it difficult to get ahead, not some inherent lack of ability deprives them of your privileges. I cannot support systems that increase that burden for the sake of others' luxuries.
Clearly, you've had situations where you've found value in the insurance system, and good for you I suppose, but I cannot see a justification for forcing everyone into the system.
So your solution to exploiting poor people is to force the burden on the victim to just deal with it when someone else is at fault?
"I'm sorry the person who just totaled the most important part of your livelihood chose not to have insurance. Guess you just have to fix it yourself with all that free time and money you have, tolerate it, or buy a new one with all that money you have. Sucks you are poor!"
Great solution.
They already have to deal with it. My solution is not scamming them.
Idk, why you're so in love with a system that seems obviously oppressive to me, but whatever man I'm clearly not going to convince you.