I would not compare it to a car with insurance. You can run nickel strips 100% safe or close to same safety as with fused packs.
There is 100s of threads about this area before and I highly recommend to scout over them where both me and others using it for years have written long texts about our reflections and also about why others have done it.
Things like when to fuse and why fuse. For instance new vs old mixed cells.... Clumpsy installers and on powerwalls vs ebikes and so forth
What you will find is that:
New cells are generally only put together with nickel strips and no fusing. Not on Ebikes and high current small packs either
Fuses are used on powerwall packs with mixed 2nd hand as extra layer and most of the time they have protected for "USER" error....