Insurance is gay.
I would have saved thousands of dollars over the years if I simply paid people for the times that I have been liable for damages due to a single accident I was in in 1997 (resulted in a broken taillight cover).
But...in cohorts with state governments, I am forced to buy their services or else it is illegal to drive on roads. If I do so, I would be liable for thousands in fines and jail time.
He's so evil. He's so mean. He's so Socialist.