As always the unintended consequences. Why does a user buying an extra iPad case constitute something that needs to be banned by law, isn't it covered by cavea

As always the unintended consequences. Why does a user buying an extra iPad case constitute something that needs to be banned by law, isn't it covered by caveat emptor? If government can mandate people to buy insurance what's wrong with a company putting insurance as a default? Perhaps instead of making defaults companies should petition the government to make such coverage mandatory. Haven't consumers shown their preferences by continuing to do business with these companies?