I understand about being required to have it for business. My younger sister and her husband owned a daycare for years and had to have an enormous amount of insurance in order to operate. We are required to have vehicle insurance here too and who would go without medical insurance on purpose?
It is funny (but not ha ha) that they tried to split hairs about the infectious disease and lockdown issue, since without the infectious disease, there would have been no lock down. It's almost laughable, in a ironically sad kind of way.