Or even take it a step further and just make it an "a posteriori" public service. Instead of auto insurance, tally up the costs of all auto-related damages at t

Or even take it a step further and just make it an "a posteriori" public service. Instead of auto insurance, tally up the costs of all auto-related damages at the end of each year and everyone pays their demographically-/driving-history-weighted portion through their tax return. You're right, there's really no reason for anyone to profit from distributing risk.