Not by their service license agreement. But morally it's a different story.

Looks like the EU may be putting an end to scummy business practices by Gaming Companies, they’ve been all over Ubisoft like a rash and are looking at many other Companies (including Bungie for “removing paid content”)

Car insurance is a scam! When you look at the metrics of who gets into wrecks, it's astronomically tilted. Generally the same repeat offenders get into multiple accidents. 8 of my friends (we've all been driving +15 years) and only 2 have been in wrecks. 6 of us have not. The two who have been in wrecks? One guy has caused 2 and been hit once. Likely due to his negligence and lack of awareness. The other guys has wrecked 4 times, all of them his fault. Guess who else has the most tickets? Them. Two other guys each have one a piece. Those two? Multiple infractions and tickets. So why are 6 of us paying for insurance when we simply don't need it or have it? I could throw that money monthly into a portfolio and the interest it'd gain over time (modest 8%) would cover any wreck I could potentially cause basically out of pocket. You figure average insurance cost is $200/mo. That's $2400/yr. Over 15 years that's roughly $37,000 paid in insurance........ Now, with 8% interest annually....... That winds up being $65k........ And it's exactly what insurance companies are doing with your payments. But instead, YOU the individual could be holding that money. And btw everyone, 8% is the average return across America on a brokerage managed IRA......

Now what happens when you accidentally bump into a lambo and have to pay $200,000 for a carbon fibre bumper? Insurance isn’t a scam. Maybe in the USA but that’s not because the concept is bad, it’s because the USA lets insurance companies deny coverage way too easily.

When's the last time you saw a Lambo on the road? That fear is why people fall into the ponzi scheme that is car insurance. You do realize that insurance companies rarely payout AND reap insane interest of the payment they receive by investing the money, right? And that's my point. The statistical data shows the vast majority of drivers on the road as being safe and quality, while repeat offenders inflate the likelihood of an accident. Insurance should be optional, not required by law and threat of property seizure or prison.