I'm not sure I've seen (or perhaps missed) what your opinion is but I would suspect the general population, cycling or otherwise, would be in agreement that a license and liability insurance should be required. I would suspect insurance is in most, if not all states and a license is in all states. This isn't a moral issue.
But like any other "rule" in life there will be those who disregard it or feel it doesn't apply to them. Some are not, or no longer, eligible for a license or insurance but drive anyway.