> I'm outraged to know it is sometimes required by law (you can be fined, by a cop, if you car isn't insured for example).

And rightly so. Or are you able to pay out-of-pocket for any car or truck with cargo that gets totaled because you cause an accident? What about damage to individuals causing them to spend a life bedridden or in a wheelchair?

Or are you 100% sure that you will never ever cause an accident?

I'm pretty sure that of all the people that will have car accidents today in France quite a few of them got up in the morning thinking exactly like you and the majority of those (assuming they survived) will have a change of heart by 12 O'clock tonight.