To extend your analogy slightly (while recognizing the actual meaning), if you go to an axe throwing venue (range) you dont have to carry insurance, but the range does carry insurance.

If you go into the wilderness where axe throwing is allowed, and you maim or kill someone, you are personally liable to be sued or prosecuted.

If you throw an axe where it is not allowed, you are also personally liable criminally and civilly.

Do you use your knives daily in a fashion that might injure bystanders? If so maybe you should be made to carry mandatory insurance.

There has been discussion about piloting something like that in london