Given such an interpretation, I find it is more sensible to label such a person "misinformed", not suffering from "utter insanity". The latter phrase immediately shuts down, at least for me, any productive discourse.
I also used to pay accident claims. I have paid claims for dumbasses whose lack of gun safety practices maimed a child for life. I also denied one where his carelessness was so beyond the pale it was not covered.
I don't feel any need to "respect" your supposed right to promote this terrible idea.
If you want to prepare to be Mad Max, take up archery. A bow requires real skill. You won't be empowering some random jackass to kill you with your own weapon.