UberX actually didn't start with normal unlicensed, uninsured drivers. UberX started as a "green" initiative. When UberX first started drivers still had to have

UberX actually didn't start with normal unlicensed, uninsured drivers. UberX started as a "green" initiative. When UberX first started drivers still had to have a passenger carrier permit (TCP sticker) and commercial driving insurance. They just also had to have a Prius instead of a black car, and the cost was a little bit less. I think it was $10 or $12 minimum instead of $15. It wasn't until Lyft started by allowing any random person to drive at a much lower cost that Uber pivoted and turned UberX into what it is today. It never even occurred to Uber that it would be possible to let random, uninsured people drivers others around for peanuts, or that people would be so desperate for cash that they'd even be willing to do that. It was purely a function of the financial collapse that made it possible.