The party at fault may not have assets nor a job, your solution is is not a solution and doesn't help the person harmed when they actually need it, at the time

The party at fault may not have assets nor a job, your solution is is not a solution and doesn't help the person harmed when they actually need it, at the time of the accident. > Financial responsibility is something to be enforced by courts, not mandated by congress. That's a matter of opinion.