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DanielLC comments on Open Thread, Feb. 2 - Feb 8, 2015 - Less Wrong Discussion
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If cars were just invented yesterday, knowing what you know about humans, would you think that it'd be sane to let people drive the way they currently do (speeds, traffic, conditions...)? I wouldn't.
I would people to drive cars unrestricted. If I find that people are using cars significantly more dangerously than they should, I'd require insurance. If there is public outcry regardless of insurance (perhaps due to people considering life to be a sacred value, and there being lives lost), I'd put a price floor on insurance.