It should be enough to have an approval that the house is structurally sound, has good fire safety etc.
If you don't have that, obviously the building can be neither sold nor insured.
I agree it should be optional to just live in an uninsured and unsellable shed if you want. The buyer or insurance company can make the inspection, should they want to.
That said, possible problems include: should you be allowed to raise kids in a house that might collapse (while you can't legally drive those same kids in your car without seat belts, for comparison)?
Should a publicly funded fire department put out the recurring fires in your house due to your homebuilt fireplace and diy electric wiring?
There are also accessibility standards - I'm not allowed to build a house that isn't accessible (e.g I can't only have bathrooms accessible by stairs, and one ground floor bathroom door must fit a wheelchair etc). The reason being that the prices on houses that are accessible might otherwise be higher because of limited supply.
If you don't have that, obviously the building can be neither sold nor insured.
I agree it should be optional to just live in an uninsured and unsellable shed if you want. The buyer or insurance company can make the inspection, should they want to.
That said, possible problems include: should you be allowed to raise kids in a house that might collapse (while you can't legally drive those same kids in your car without seat belts, for comparison)?
Should a publicly funded fire department put out the recurring fires in your house due to your homebuilt fireplace and diy electric wiring?
There are also accessibility standards - I'm not allowed to build a house that isn't accessible (e.g I can't only have bathrooms accessible by stairs, and one ground floor bathroom door must fit a wheelchair etc). The reason being that the prices on houses that are accessible might otherwise be higher because of limited supply.