WTF has happened to American society that so many people these days think that every human activity has to be licensed and regulated.
Further, why assume that insurance makes people more responsible, when common sense says the opposite is true. Insured people are insulated from the consequences of their actions, whether it's driving, health care, civil liability, or any other action. Folks who aren't insured aren't protected if their negligence has monetary consequences, so who's more likely to act responsibly.
In fact, in many applications people are arguing just the opposite from the "more insurance" idea and trying to pass laws that remove the protections that insulate the irresponsible.
As regards bicycles, there's absolutely nothing even remotely resembling a compelling state interest in regulating bicycles any more that they already are.
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