I think if you were (as a third party) struck by an uninsured taxi/ride share driver (or underinsured driver whose insurer won't cover the incident because he was transporting a passenger), you'd change that tune with a quickness.
The point is to allow people to make their own choices. What you're advocating is depriving people of the choice of how to spend their money and manage their risk/reward options.
You want other people to suffer a higher risk, just so you can save money.
And no matter how often you try to frame it as a matter of "I choose for myself", you're actually choosing for others.
That's highly illiberal and unfree, by the way.