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yeah and do you realise what you are suggesting?

your proposed change will take decades to rework cities to move away from car-centric city design, to introduce public transportation, to rework current districts, to move shopping malls/restaurants closer to living districts etc.

all of this just because you wanted to make stricter insurance just to make it more (by how much?) efficient for insurers, so that they would make more profit.

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No, I'm suggesting it because I don't want to pay for Bob to smash several cars a year. I'm saying it because there's lots of people who have no business being out on the road. Having Bob drive when he's a bad driver makes everyone around less safe.

But I guess you'd have society pay for all the cars Bob ends up destroying. We'll subsidize him crashing cars over and over and hurting Alice but we just can't seem to find the money to add another bus line!

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