Is Government Really Necessary?

So i walked into an AM PM Gas Station to get some gas for my wheels, when i saw these homemade Zip-Locked bag of cookies for a dollar. And i was thinking, why aren't people afraid to buy these Not-Sealed bag of cookies someone made in their kitchen.

I mean if you were waiting at a bus stop and some person came up to you and sold you some Zip-Locked bag of cookies, you would feel Sketchy to consume them, assuming you were nice enough to buy them in the first place. So whats the difference between an AM PM and a Street Vendor? Are they not the same bag of cookies? After being Baffled about this for a few minutes it was obvious to me that the difference is when people buy from an established store, it is assumed that they have a policy from an Insurance Company that if these Cookies were to harm you, they would pay retribution for the harmful cookies, in other words a Guarantee. Whereas for a Street Vendor, there is no policy or Insurance company that would pay for the Damages Food Poisoned Cookies could do. Therefore in order to get more costumers, people would advertise that if their Cookies were to harm anyone they would pay the person X sum of money, so people would feel safe to purchase from AM PM. But of course not everyone cares about harm that the Killer Cookies may cause, some people trust the Vendor. Such as in Mexico you can get Taco's from a Taco Stand you may never see again, or an Established Taco Shop. Obviously the Taco Shop with the Insurance Coverage has to raise its price to make up for the insurance, so the tacos would be more expensive. So people have a choice between Insured and Uninsured Taco Vendors. People have the choice between both sides of the Pancake. So isn't that a solution to buying Possibly Harmful wares with out the help of Government? If a law passed stating that All Vendors must have Insurance, sure you may be like "Oh well its necessary because people could get sick". Yea that's great and all but not every vendor starting out can afford coverage, so in theory, not only did you just cause an Unemployed Citizen, but you caused a Gap between the Rich and the Poor, also you got less Taco Vendors. Because now in order to make Da Moneys you have to already have Moneys.



And i think this applies to all Purchased Product like Cars, you can buy a used car from the owner, or from a Car Dealership saying that If this car were to harm you we would pay X amount of Money.

So really all these laws that are meant to protect the Consumers are actually really stupid and Harmful to our Economy...