I don't know what you think you're adding to the conversation here. The point of the auto insurance system as mandated by governments, including the "required liability" part, is to rise a bit above (or a "smidge above" as you might say) this folksy "it is what it is" nihilism.
If no one pushes the button that is provided to do anything about it, what do they expect to happen?
The original comment seemed to be complaining that no one was pushing the button for them, and the other side wasn’t just doing something without them pushing the button.
