It is tough. With an insurance system like automotive, it works because everyone who drives a car is in, and the premium varies with overall claims, and individual risk. And if you don't want to pay auto insurance premiums you can choose to not drive. Everyone "drives" a body, so the risk could be spread to the widest possible extent, theoretically making the premiums relatively low. But, it's just a bit harder to choose not to drive your body. ; )