BlueSky, car insurance is regulated by each state. Not the federal government. Technically, permitting their individual constitution permits them to do so, each state can force its citizens to purchase health insurance.
If I don't fish, I'm not required to buy a fishing license. I don't have to own a house; I can rent or live in a shelter or on the street. If I don't drive, I am not forced to buy car insurance. You can "wager" all you want; it holds no validity and that is not how the federal, or state, government system works. Funny try, though. Your entire logic is flawed and ignorant.
In all of your examples, you are forced to buy insurance only after making a choice to commit to those things in the first place. The government is forcing us to buy health insurance simply because we are alive. There is no initial choice of responsibility as with your silly other examples. That is where this debate is.