I think you all missed his point. Yes he knows there are laws. He's questioning why the laws exist. There's clearly a lot of confusion about this because up thread we have people saying it's not about safety, and then we have lots of other people saying it is about safety.

To me having insurance valid for commercial use seems reasonable, but you don't need special licenses or laws to enforce that. Just have a law that says "you must have insurance valid for the kind of driving you do" (which I suspect Germany already has).

The basic point being made here is there is no technical or medical reason why the amount of money being charged suddenly makes driving fundamentally different. You're driving the same car on the same roads with the same driver. So why have governments made it so complicated?