Capitalism i tell ya!
Carpooling would work well for grocery shopping, though i'd like to see an active fuel tank added so we can budget our expenses and work out where public transport would be useful.
Now this is the kind of thinking that we need more of, because at the moment nothing is seeming to happen.
You obviously have no idea how much real car insurance is or how it works.
My car (waiting for it to be delivered) is a Nissan Qashqai 1.6 Diesel 4x4 worth £28,000 (should have been a grand more but I managed to haggle them down)
My insurance is only £470 per year
My old car is only worth £3000 now although it's brand new price was £17,000 but because it's more of a 'boy racer car' it cost me around £950 a year.
You clearly have no idea how a sane conversation works.
The f*ck has your cars insurance got to do with the meta-game theory of how players behave in freeroam, and how the bad sport lobbies should be implemented?