The only insurance your statement does not apply to is life insurance. Should taxpayers be on the hook to supply house insurance, car insurance, renters insurance for the life time welfare recipients and general ne'er-do-wells that are perfectly happy to reach their hand our to the government because they are to lazy to find work or ... just don't want to work?
I may be my brother's keeper but we shouldn't be expected to provide insurance or for that matter, life time benefits to those that do not deserve it!
Well that's the difference between a dependent society and a self reliant one, that does not depend on gov't to take care of them. Gov't is into far too much and individuals are far too dependent on others to give them stuff.