As I posted yesterday :
For China it's not about money - look at a map, the Malacca Strait is a pinch point - that is why it would be so important to China
The compulsory insurance is really a waste of money as it covers so little (but you have to have it) however the very minimum insurance should be 3rd Class, just to protect your arse if you have an accident
What happens to the people who cannot afford a smart(?) phone - only a dumb phone with an occasional 'pay as you go' SIM - can they still get a digital wallet ?