Subtle point Martin just hinted at, is that under P-law you don’t have to ‘take’ responsibility. You either insure or you don’t, and you insure because there is no alternative, or you insure because it is a choice. But “responsibility” under P, such that it’s a choice, is very limited. In almost all cases you are insure, warranty, and are liable whether you choose to be or not. And this is what will offend the free riding left most of all.