[wongarsu]

If people engage in a risky activity where the legal system expects them to pay for damages if something goes wrong, but damage sums are so high that most people are unable to pay for these damages, it makes perfect sense to require people to have insurance if they want to engage in this risky activity.

The real crime is the state then zoning and building infrastructure in a way that forces you to engage in said activity, effectively forcing all citizens to buy insurance.