However you want to justify it, the result is the same: luxury toys are subsidized by people who don't buy them. Every expensive car sold makes everyone's insur

However you want to justify it, the result is the same: luxury toys are subsidized by people who don't buy them. Every expensive car sold makes everyone's insurance premiums go up. This is a transfer of wealth from the poor and the prudent to the rich and the vain. Any legal principle that supports that is wrong.