But I am struggling to see how this has anything to do with a white paper highlighting and examining flaws in another white paper.

Even disregarding scale, plenty of large companies providing critical service struggle to find good people to do their job.

Sure, they don't pay as well. But if the rebuttal is that you can't find a honest company that pays equivalent salaries, maybe we should call that wage-gap corruption money.

> According to the Insurance Research Council (irc), an industry data group, 29% of claims nationally (and over 50% in several states) involve people insured at the state minimums [in the tens of thousands of dollars]. Few policies go beyond a few hundred thousand dollars of liability. The cost of a serious crash “is never going to be covered by that”, says Dale Porfilio, of the irc. By contrast, in Germany drivers are required to have €7.5m ($8.2m) of bodily-injury coverage, and in Britain liability is unlimited.

I don't have a car, but I acknowledge that most Americans live in places where not having a car would make their lives much harder. Still, it seems reasonable for me to raise insurance requirements on enormous SUVs. They're 50-100% more dangerous to pedestrians, so this would reflect a higher actual cost inflicted on other people. If you don't want to pay that cost, and you still need the transportation of a personal car, buy the smaller and less dangerous vehicle.