Wow, well if that's the case my parents must be horrible. Where do I sign up for new ones!

The reward is: people go to school and drive crappy cars so they can graduate from school and buy a nice car. It's a reward to themself in exchange for their hard work. Now we have somebody saying that their parents are bad because they won't pay for insurance on something that is fairly useless other than to be fun. What do you call that? If it isn't a reward or a gift, then what is it? And what is it in exchange for? "Because I'm your child" doesn't work.

I think there's a major lack of respect here (at least in how the story is told), and going to school full time doesn't justify it. You just don't entitle yourself to your parent's money.