It’s more lawless out there than you realise:

I have been told that the section on insurance in the tax code is so complex that fewer people understand it than understand Einstein’s theory of relativity.” He replied that he wouldn’t doubt if that were true. So I followed up and asked, “How can it be enforced?” His answer was that it largely wasn’t.

Worth a read, just practically, but also the scale is stunning. It won’t surprise you, but it’ll shock you.