Unless people are careful, utopia or not, they will suffer the unwanted consequences of an accident or injury resulting from an uninsured, inexperienced and unqualified driver.
The majority of the "part time" people who offer rides for hire are not insured and you are making a huge gamble when you ride with them.
If you hire him or her and she is not properly insured and there is an accident, YOU are on the hook for the whole deal. You are the employer, and he/she is your employee. If that car smashes into a tour bus, you are effectively financially finished for the rest of your life.
Would you take your entire life savings to Las Vegas and put it on "red" on the roulette wheel? I think not.
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