No, what's authoritarian is an unavoidable insurance scheme that ignores the concept of moral hazard. In fact, I am all for insurance, it's extremely efficient at large and an institution as old as humanity itself, but if you don't deal with moral hazard then the wheels come off the engine. If I'm in an insurance pool with a smoker and they break their leg, that's fine. If I'm in an insurance pool with a smoker and they get lung cancer, they better be paying more than me. Some things are decisions, not fate, and people need to be willing to bear the cost of their decisions. To the point, if that Floridian's house burns down or that Californian's house floods then that's fine; vice versa is the problem.