Richie Rich, a millionaire, and Penny Poor, a welfare recipient, are both at high risk for automobile accidents. Richie owns a fast sports car, and he likes to drag race with his friends on the weekends. Penny has a small junker that has an extra-powerful engine, which she regularly tests as she speeds to her part time job everyday. Auto liability insurance is not compulsory in their state. Explain why Penny might have less incentive to purchase liability insurance than Richie.