I assume most people driving >$100K cars on public roads do carry uninsured/underinsured insurance. If they don't, I agree, that's on them, but the legal system

I assume most people driving >$100K cars on public roads do carry uninsured/underinsured insurance. If they don't, I agree, that's on them, but the legal system still (correctly) assigns liability to the at-fault driver in most states and the not-at-fault insurance coverage is a cashflow/coverage insurance who then turns around and gets a judgement against the at-fault driver, which may or may not ever be paid.