the insurance company makes money because you are willing to pay more to reduce your personal risk than it costs them to accept it (a dollar you lose is worth more to you than a dollar you gain, declining marginal utility of wealth; an asymmetry they make money on, especially considering a dollar lost to them is much less significant)

G*P didn't mention payments for accepting risk, he just said if they accepted liability.

That's an interesting perspective. Perhaps in the future, we'll have FSD car subscriptions that also include insurance, so if you're in an accident the car manufacturer will cover everything.