When poor people have a car accident it’s already fix it themselves, tolerate it, or replace it the vast majority of the time.

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.

Got it, so you think it is punishing to poor people to make them pay $60-$100/mo for the privilege of driving a dangerous vehicle that can cause many thousands of dollars in damage to both cars and people, but your response to high car repair bills is for poor people to “just buy a new car.” I don’t think you have thought your cunning plan all the way through. Notice how I never brought up medical bills, only car repair bills? That’s because I agree that health insurance should be covered by the state, not private insurance. Health care is a basic human right. Driving a car is not. You talk about exploitation of poor people through making them have insurance, but you ignore that poor people can also be the victim of bad drivers. If a poor person with a $5000 car who badly needs that car to drive to work gets their car totaled by a driver without insurance, your solution is for them to “just buy a new car.” Do you have any idea how dumb that sounds? Your main argument is that this poor person should not be expected to pay $100/mo for insurance, but you think it is totally fine to ask them to pay $5000 to get a new car that they need to get to work to pay off that car?

And if you think only the wealthier drivers drive more recklessly, you should drive in a really poor part of town. You know who doesn’t give a shit whether they crash their cars? The people who drive really shitty cars. The statistics back that up, too. Wealthy areas have lower serious traffic accidents per capita than lower income areas. They also have far lower traffic fatalities per capita, but that can be down to the safety of their expensive cars. People in sports cars do tend to drive faster, but rich moms in expensive SUVs do not.

I didn’t mention the medical liability, since a modern civilized society shouldn’t need to have me worried about medical liability. I was lucky to have good insurance when I was a pedestrian hit by an uninsured driver. I wasn’t on the hook for my $60,000 in medical bills, because I had insurance. In a good society, I shouldn’t need private medical insurance to protect me if I get hit by an uninsured driver.

Now, if my new car gets totaled by a shitbox '88 Cutlass Cierra driven by a person who can barely even afford THAT car, then that’s where requiring insurance comes into play.

I used to think like you do. “How does this benefit me?”

But as a pedestrian who was hit by an uninsured driver, I can firmly tell you that you have no idea what you are talking about. Driving is not a constitutional right. It’s a privilege that the state gives to you. It’s extremely dangerous for those around you, so limiting the ability to drive very dangerous vehicles to people who are financially responsible isn’t the worst idea. You might even say, “but you can just sue the person who hit you if they don’t have insurance.” The response is to think about the kind of person who can’t afford $100/mo and how much you might be able to squeeze out of them in a lawsuit over $20,000 in repair bills.

Least enjoyment per dollar had to be Fallout 4. I bought it full price on release, roughly $60, and got the PC version, because I didn’t have a working console at the time. I can only game on PC with EDSF, not WASD. But that game hardcoded Use/Action to E while also allowing E to be mapped to move forward. So everywhere I ran, if there was an action to do it would automatically do it. I kept opening doors to hiding monsters, opening crates, doing whatever when I just trying to walk around. I probably only played that game for 10ish hours before giving up.

Most enjoyment per dollar has to be NES Tetris. I have no idea how much my parents paid for that back in 1989, but I still plug in my NES and play it occasionally. Even accounting for buying a second NES in college, multiple replacement controllers, a replacement cart reader tray, and a used copy of the game off ebay far later, I am probably only in for $200. And I can’t even make a guess at how many hours I’ve played NES Tetris. I would skip full days of school in 8th grade to play. I would play for hours in college. I still play a few hours per year now.

Most number of hours is WoW, but at $15/mo plus $60/expansion times probably 6 expansions I’ve probably spent over $1000 on it for a rough estimate of 7200 hours played.