Perhaps I was being somewhat drastic with the licensing idea, but that does not change the fact that they are dangerous, and in my mind need to be somewhat controlled, and I think that having insuracne is a great idea to save yourself possibly. You may never crash a plane in your life and spending money on AMA could have ended up being something you didn't need to do, but you may also crash a plane into the wrong place and end up with a nice lawsuit knocking at your door because your homeowners insurance refused to cover the damages. If you are always prepared for the worst then in the event that it happens you will be ready, and that is the way I like to view things.