Now, regarding the forcing, auto insurance is forced as well. A good foundation for discussion would be why insurance is forced in the first place.
A better foundation would be discussing why
anything is forced. If it's important and necessary, people will do it themselves. And if they do not, the consequences should be on them, not the rest of us.
Old people on the street are consequences on society, not just the individual.
You say the consequences
should be on them. Note your use of the word 'should'. That word pretty much sounds like a demand. A demand is pretty much the suggestion of force. Now we're back to square one. Forcing. You seem to be in agreement with me actually. In order to put the burden on them, we
should force them to pay over their lifetime.