Not saying I disagree with you, but all the examples you gave are about some things that are a privilege or just optional (e.g. if you can't build a bridge to follow all the latest standards, you can just postpone it). Working is not really a privilege, you have to do it in order to survive.
but not driving drunk...you choose to drink, which is entirely optional. Driving drunk is something you choose to do. Getting a vaccine by mandate is something the state decides you have to do, with no way around it, if you want to continue working.
I was commenting on the insurance part, not the drunk driving. But we don't even have to go that far, we require licenses to drive, and if you aren't fit to drive, you can be denied that privilege outright.
