[_8j50]

Worked out well actually, it's not a more careful choice but plenty of people including myself avoided college because of the debt and then you most of the military enlisted population who are only there to avoid college debt. So people do respond to the threat of debt.

With cars it might result in less car ownership and better public transport (more people need to use it), which is also nice for the climate. But the law itself is filled with financial penalties to reduce bad behavior, how is this different?

The ultimate goal though is to kill the parasite which is the middle man mandatory insurance.