> I'd very much love to see people who cause accidents have their insurance go through the roof.

Life is hard and people make mistakes. Let the actuaries do their job, but causing an accident is not a moral failure, except in cases like drunk driving, where we have actual criminal liability already.

> the insurance companies will force self-driving on everybody through massive insurance rate increases for manual driving.

Why would manual driving be more expensive to insure in the future? The same risks exist today, at today's rates, but with the benefit that over time the other cars will get harder to hit, reducing the rate of accidents even for humans (kinda like herd immunity).

> Given that we do not have protections against companies that can make you a Digital Non-Person with a click of a mouse, I have significant problems with that.

I absolutely think this is going to be one of the greater social issues of the next generation.