I don't disagree with anything you've said here; I wasn't trying to say that insurance is unimportant or simple. My point is that the only justification for lic

I don't disagree with anything you've said here; I wasn't trying to say that insurance is unimportant or simple. My point is that the only justification for licensure over certification is a paternalistic one, and I would say the same thing about both barbers and medical doctors. Maybe I don't have enough space to make a convincing argument here, if you're curious I definitely encourage you to pick up Milton Friedman's Capitalism and Freedom and read chapter 9; it's a pretty entertaining read.