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Keyword: forced
News flash, you need to brush up on your reading comprehension.
Brush up on YOUR reading comprehension. The only party requiring insurance is a mortgage lender, and you were suggesting moving to some shithole cheap enough to pay cash for a house. My point is, even if you own outright -- shit, ESPECIALLY if you own outright -- it's probably a good idea.
I fucking hate insurance companies too, but you know what? My car was hit by an unlicensed driver less than 2 weeks ago and was totaled. I would be fucking SCREWED right now if I didn't have car insurance. Instead I'm getting the car loan paid off and a check for the remaining $20k I can do whatever I want with. It's gonna be to buy a new car, but I have the choice, instead of holding the bag of shit.
Dang.
I need to have a word with you English teachers.
Listen, I know you didn't explicitly say "don't pay for insurance, move somewhere cheap!", but you absolutely implied it with your argument. Who is forced? Nobody, you're right. But realistically, if you want to either:
A. Like where you live, or B. have even a fraction of financial safety
you must. Very very few people can afford to purchase a house with cash, especially now, and especially first-generation home buyers. That gives you a pretty unfortunate choice to make.
My main point is, your rhetoric shows that you think WE are the problem. That average Americans should give up the idea that we could live in a city where there is culture, diversity, good education, public transit, and god forbid modest housing options.