Privacy
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The problem with this is your doing something illegal why would a legal company cover your ass when it could jeopardise their whole business just taking your money. Also insurance is a scam/pysop perpetrated by the state it self. So if it did exist it would be a honeypot 100 percent
I see, an enlightened American (or not? I can hardly ever tell tbh). There are two very good models of insurance that I can think of right now:
- Obligatory, with fees based on income. Esp. health insurance.
- A situation where you absolutely cannot afford losing the object in question. An individual may never recover, but it is an extremely rare occurence, e.g. your house burns down. The cost spread over many shoulders is insignificant, but it ensures that no one is left with nothing. A third possibility are investment strategies, where an insurance uses the money to future-proof a system or sector - the incentive for good performance is that they have to pay for e.g. flood damaging if they don't build proper dikes. But that can easily be done without insurance, by governance.
I disagree with either of those being good.
Congratulations, they disagree. Have fun paying hospital bills then and pray you never get into an accident.
I care about morally right vs morally wrong according to libertarian ethics. I don't care at all about "LEGAL" vs "ILLEGAL" in a fiat sense. Fiat-"illegal" has nothing to do with right or wrong. It just arbitrary rules written on paper by evil thugs without the consent of their victims.
Therefore I can't follow your arguments. Did you read my essay?