Well I think you are goo to get a Musket without insurance... Anything with a fire rate much above that you would need insurance... Much like media companies buy liability insurance today...
At the moment the Government or Victims end up paying for the freeloader gun owners... I am not infringing on what gun you can own, just if you own it, you have to pay the full cost of ownership. Do you want the government giving out free guns as well because everyone has a right to own a gun...
The cost of owning a gun is not just the price of the gun but also the insurance if anything goes wrong with that gun (You can waive that if you show you have $20+ million in liquid assets...