Poorly phrased question, much like "so when did you stop beating your wife". Two separate issues being asked about, but wrapped up into one question. Of course you don't need AMA to fly, that's a no brainer. Is AMA a ripoff, that's for each person to decide. Do you need auto insurance? No, in some instances you do not. Is it a ripoff, again, for each person to decide. I'm 100% sure though that those that hate auto and h/o insurance would be the first ones screaming to the heavens if they got hit by someone without insurance. Same with health insurance. Or lawyers...always great to hate and rag on them, but of course you want the best one when you're in trouble.