I'm not sure I'm following you. I think you are saying that rather than adopt branded's no-fault proposal, the responsible thing is for each of us to buy liability insurance to cover any mistakes we might make (other than the perfect humans among us who don't make mistakes). OK, we "buy" AMA insurance to cover the maimed and killed, but doesn't THAT promote risky behavior? I, like you, have my own liability coverage. Does THAT promote risky behavior?

What I'm trying to say is that having insurance protects people from responsibility for their mistakes. Are you saying that insurance is a bad thing? If not, then it seems to me that from the "encouraging people to be irresponsible" angle, it's a wash between yours and branded's proposals.