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In the ancient world, a stranger who came to town was shunned by locals unless they could get a local to vouch for them, a local who would pay if the stranger misbehaved. Today we live in much larger societies, so maybe we should all have to get a rich insurer to "vouch" for us.
This is just tribalism and tyranny of the majority but with extra steps and a pseudo-market mechanism.
Is auto liability insurance, bonded contractors, or small business liability insurance all "tribalism"?
They're barriers to entry/ownership/use, which fall under the header of protectionism, which inherently favors people with money. So I'll say it's tribalistic in a very specific and limited sense and probably only incidentally as well.
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