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I think only liability insurance for your car is what you’re “forced to buy” and even then you don’t have to own a car. Also liability in itself is a few hundred bucks a year at most.
It's not a scam, because the product/service being sold is not a bad one (at least not automatically). Like, the concept of having a place to pool money together to pay for inevitable bad shit that most people couldn't afford out of pocket is a good idea in general. Unfortunately, like many other good ideas it is easy for companies to twist it into a shitty service that hurts the customers more than helps. >

This is exactly the response i wanted to see. The idea of it makes sense, i have no issue paying to feel protected for possible future problems, even if i never use it. But the idea that not only are you forced to buy it in most states, but also forced to buy it from companies that take advantage is what causes issues. Insurance itself is not bad when not corrupted, but is horrible when companies twist it.