Not sure if this has been stated but many people don't run winter tires and are driving very expensive vehicles... I don't know why you wouldn't spend an extra $1500 (even less if you get them on sale). This is illogical to me. They do work, and there is a major difference in cornering, stopping etc.. Now if you're in a situation where money is tight, I still think your safety is paramount and #1 priority. Many places, like Kal or CTC, allow you to pay in instalments - that could alleviate some of the financial stress of a $1500 bill.
I think we have enough government in our lives (yes, I am a bit of a libertarian), so not crazy about enforcing it - but education goes a long way. Insurers do give slight discounts...