ysjet
since the server validates everything anyway
Oh you sweet summer child.
The server doesn’t validate shit, because that takes up CPU cycles on THEIR hardware, which costs them money. A huge part of kernel level anticheat is forcing YOU to pay the cost for anticheat, so they can squeeze a few more pennies out of it. And if your computer gets owned because they installed insecure, buggy malware on your system…? Well, they’ll just deny. After all, it’s kernel-level, how are YOU going to prove anything?
Which is ignoring the problems inherant to auto insurance, which is fundamentally a greater force in the price/cost of car insurance than the danger of cars.
Yes, cars can be dangerous, but that’s not why car insurance is expensive, it’s expensive because car insurance companies have a completely captive market in the US- one that must pay whatever the insurance comapny dictates.
As a result, they set the price as high as they can get away with, and then refuse to actually pay it out anyway.
Don’t make excuses for the insurance companies. The risk is the whole point, and certainly does not excuse their gouging.
You’ll notice other countries do not, in fact, have to deal with this level of price gouging, which implies it’s nothing to do with the cars themselves- it’s just the insurance companies, and it always has been.