First, you are required by FAA regulations to have a physical.
Second, in some states it is mandatory to have insurance.

If you violate both the above you would probably have your license
revoked and charged by the state for violation of the law.

Of course if you do the above and have an accident then the judical
vermin would ravage your carcass in court.

This is not really a difficult problem to consider.

Is there a pilot here who thinks he will not be caught???