My essay explains how an anarchist insurance could function and how the incentive structure would be. Did you read it?

I care about morally right vs morally wrong according to libertarian ethics. I don’t care at all about “LEGAL” vs “ILLEGAL” in a fiat sense. Fiat-“illegal” has nothing to do with right or wrong. It just arbitrary rules written on paper by evil thugs without the consent of their victims.

Therefore I can’t follow your arguments. Did you read my essay?

I don’t get the “lol” Isn’t this a pro-liberty forum?