Well said. I'm always aware of when bills are due and when my car needs MOT (the garage reminds me hoping I'll take it back to them), Insurance (they send a letter), and Tax (they even send a letter too). I'd feel awful (and very skint) if I was involved in an incident when I didn't have any of the above, expecially insurance! I dread the day I'm in a RTI and find that the other driver doesn't have any of the above.
I appreciate that at times people can't afford things and times can be hard, but I'd never take the risk with a car. You never know whats around the corner..........!