> You've clearly got a bit of a nanny mentality about this.
How is espousing that the right to swing a fist ends at another's nose "nanny mentality"? An apartment is in a shared property structure, with rules contracted into voluntarily, and in close proximity to the property of others. Insurance is offered as a contractual arrangement. No-one is forcing you to buy an apartment, but if you do so on the basis of a legal agreement around how you will use it with the co-owners of the building, breaching it justifiably attracts sanctions.
How is espousing that the right to swing a fist ends at another's nose "nanny mentality"? An apartment is in a shared property structure, with rules contracted into voluntarily, and in close proximity to the property of others. Insurance is offered as a contractual arrangement. No-one is forcing you to buy an apartment, but if you do so on the basis of a legal agreement around how you will use it with the co-owners of the building, breaching it justifiably attracts sanctions.