The answer to that is simple... It's the Golden Rule - Those who have the Gold, make the Rules.

It's like, If you have one car, you have to have it insured, If you buy a second car, you have to insure IT too, but you can only drive ONE at a time right?

But the insurance companies don't make enough money that way!

RANT RANT RANT!!!! (Don't get me started... You KNOW how I get)