If I stopped having a car I would have to move from where I live, as the nearest store is some six miles away; hardly an easy trek to do all the time to get groceries. For others that may, as you said, lose their job, not having a car isn't a realistic option either. So you get something that makes your life a LOT easier, but in doing so government mandates there is something else you HAVE to buy.
On the same logic you could stop paying the government and then not read the law. Sooner or later that is going to get you in trouble because you don't know the law, but you can make your life a LOT easier by buying access to reading and understanding the law.
Please keep in mind that I find it insane that the government can hide the law from its citizens; to have a free society the law has to be equal for everyone, and this more than anything else puts a divide between the haves and the have-nots.