Au contraire. I live in an area where everything is spread out, and if I want to get to work and make money to pay for the many types of insurance the government wants to give me, then I actually DO need a car. I did not need a car back in Los Angeles, because there was LA Metro and taxis. It's a completely different ballgame here. Also, that goes for people in many areas, even in cities, who have to find a job that's 1-2 hours away, because there is a lack of jobs (that will pay the bills and feed the kids) in their local area. We live in a modern age, and we've pretty much augmented our area to suit that, so that things we may want/need are either five minutes away or two hours away. Either way, these days you need a car, pretty much in the same way you need a stove or a fridge. That's like saying, "Well, you don't really need a job, unless you want to eat, of course."
But I agree with the reasons you give for having insurance. I didn't say the insurance itself was a bad thing, just that I think it's ridiculous that I have to pay for insurance before I can even pay for my tags. And the insurance my honey DID have on his car got fucked up, and nearly cost his mother and father their insurance, because they'd been paying for it for him since he was jobless. Now he's jobful, but we're sickeningly behind in everything. Everything.
All of that said,
I'm aware of costs being cheaper when a large group is paying. That's probably why in a dumbed down sense, they offer group rates on things like, say, health insurance! It makes sense, but to tell you quite honestly...I maybe visit the emergency room once a year, and that's only in later times, due to my teeth (which I have officially found a dental office for). Previously, I hadn't been to the hospital since...wait. Before 2006, I hadn't been to a hospital since I was 16-years-old. Might suck for things like check ups, but I've been checked out since, and I'm still found to be relatively healthy, even though I've been overweight all my life.
I think it would be great to have a system like they offer overseas, but from what I've heard, the taxes are still quite bad, but as you say if everybody pays for it, it still comes out cheaper. I think I would actually be more comfortable with something like that coming out of my taxes, than having to set aside a separate bill for it. It would take out the stress of having to pay so many bills for so many things that should be obvious as to why we should have them.
Like the fire department. I think that was pretty much bullshit. Lots and loads and tons of bullshit, though from another story I heard he forgot to pay that stupid fee. From another story he abused the fire department in a previous fire that had happened in the year, and knew about the fee, and should have paid it then. Either way, I'd hate to see something of mine go down in flames because I have to pay a fee.
But like I said, that fee should come out of taxes if it's needed by so many people. I think my whole issue with paying these things out of pocket is the stress, and not even so much the money, actually. Now that I think about it.