Acquiring the license means you have passed an exam which implies you are reasonably familiar with several important safety issues which help keep you and others safe from RFI and other issues.
It is true that anyone may use amateur radio bands in an emergency where other forms of communication are unavailable. It is also true that the FCC is not going to send out the goon squad looking for people broadcasting without a license in a grid-down or other catastrophe. Heck, with many radios, it's possible to transmit well outside the amateur bands and accidentally interfere with emergency services.
However, good luck learning how to use your radio on the fly. Do you know your local repeaters' frequencies? Do you understand simplex versus duplex? Cross-band repeating? Programming your radio? Digital modes and effective long-range low-power communication? Antenna tuning and polarization? Hams legitimately enjoy helping newbies learn. They also have no tolerance for people on the air who don't have a call sign.
Amateur radio is not the only radio solution available to you. If you absolutely don't want to take an exam, use FRS, MURS or CB. GMRS requires a license - $75, but there's no test. I suspect that would rub you the wrong way the same as amateur radio.