Actually it a choice. You have a choice to pay the penalty or get insurance. How can you not see that is a choice?
The mob says the same thing everytime it shakes down a business owner for protection money. "You have a choice to pay the protection or get your knees broken. Which is it?"
That was insightful. Whats your point?
That your ethos is essentially that of the mugger. Brute force would seem to be all you respect or understand.