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Your example is perfect. We dont trust everyone not to get into accidents that is why we require everyone that drives to have insurance so they can pay for deamages as we dont think everyone would save the money to pay for a potential accient.
Also you pay 20% in but not everyone get 20% out. Some might get out more others get out less, this way we can make sure everyone still can pay atleast for basic things.
There's nothing here!