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Humans just don't comprehend large sums of money. Taxation created the Interstate Highway system, it sent us to the moon. The masses giving relatively small amounts of money can and does move mountains.

But instead of empowering elected representatives (that we can vote out) to do insurance, we instead farm it out to for-profit insurance companies and, inevitably, attorneys. THIS IS TAXATION WITHOUT REPRESENTATION.

We mandate that everyone buy automobile insurance (the masses thereby being taxed) and then when all that money floods in, capitalism is beholden to keep as much of it as possible, so the insurers start fucking the insured with "claims adjustments." Enter the attorneys, who smell the size of the payroll because that's what attorneys do - and they sue the dogshit out of the insurers to get a piece of the action, ostensibly because they just care so much.

Think about how much money is wasted throughout this process due to incompetence, corporate greed and filthy lawyers. When you watch ad-supported television (if you do) think about what percentage of the commercials are for attorneys that exclusively sue insurers. Imagine how much money those commercials represent. Now realize that both the insurers and the attorneys make money hand over fist despite the inefficiency of this deeply stupid dance.

But government isn't the answer to the problem, amirite?