MR, you people have have wrong picture of lower class. Vehicle insurance is compulsory everywhere, including India.
But, I do not think that a person surviving on minimum wages should have facilities like car. In India, a person surviving on minimum wages cannot think of two wheeler, even in the dreams, forget about car. This is precisely the difference between two countries.
Secondly, car is not a necessity by any stretch of imagination, no matter in which part of the world are you living. One has to use public transport under such circumstances, even if it takes some more time.
MR, when you are surviving on minimum wages or job guarantees, you have to live a life of survival, not luxury. It is as simple as that. Government is responsible only for the survival of the poor, not their luxuries. If one wants all, he has to come in the open ground and fight the competition.
Asking for job guarantees and minimum wages is some sort of help/donation. And, such people cannot be choosers. They are not supposed to have luxuries or live at par with those who are fighting competition. This is where liberals tend to cross the line of rationality.
With love,
Sanjay