The farmers I associate with care a lot about their animals and I expect them to take the same care with mine. As a rural person I judge people based on relationships and reputation and not on how much insurance they have. I'd trust any of these people to haul a horse in a big-ass trailer than I would trust myself or my wife.
Judging by the number of horses my wife hauls, most horse owners don't have their own truck/trailer. Which makes sense: for most people, the trailer won't be used very often, and hay is usually delivered by the farmer, so don't need a truck for that.
How did we get so far OT?
personal farms don't need to haul, there's no disagreement about that, but op suggested that you can run a horse business this way. it took me a while to realize that he has a vanity farm that's funded by his tech money, so you know he can gradually grow, he doesn't need to board, or train, or any of those other things people in the business diversify their income sources with.
i don't think we're OT at all. in horse business and generally farming you have two types of vehicles relevant to this conversation, trucks and gators. you absolutely need both. your truck can act as a gator, but your gator can't act a truck. you can use pretty much anything as a gator, i've got an old cherokee, an atv with a hitch and an actual gator doing the gator business. op uses a ford focus. the electric pickup from original post is probably a solid gator. kei trucks can be used as gators. but none of this stuff replaces a truck, which you still have to pay shit ton of money for.
usually in conversations like this it's horse people who come in and say "nah we need a truck to haul", but this time op suggested that you can in fact run a horse business with a gator, which prompted some questions from me