Another disappointing response from you Dano. Since you're so much smarter and knowledgeable that the rest of us Dano (or so you think) one would come to expect better responses.
Your response to "it's not a crime for a guy to not buy the proper insurance" is "but if he's involved in an organized crime ring..."
It's as if you come up with silly presumptions, only to have them not be true, then come up with a ridiculously improbable scenario in which it might be true.
"An adult must beware of the drowning risk in a tub with 4 inches of water."
"An adult probably isn't at risk of drowning in a tub with 4 inches of water."
"Oh well Mr Smarty Pants what if he has a major medical issue and hits his head on something, rendering him unconscious, and he lands face down in the water? Tell me there's no risk of drowning!"