...If I don't choose to protect myself on my own accord, the government is going to step in and mandate compliance.
Compliance driven by the specter of retribution - this is the dream of every aspiring totalitarian!
There are only two directions to pull here: self-protection or fatalism. I choose self-protection.
Sorry, PaulF, though you've made it clear that you have a penchant for the prison of two ideas, I refuse to play that game.