By "gamble on the insurance rider" you mean further externalize the cost that Uber already externalized onto the drivers? Because the people that end up paying

By "gamble on the insurance rider" you mean further externalize the cost that Uber already externalized onto the drivers? Because the people that end up paying when you "gamble on the insurance" are the people that you injure in an accident, or systemically through the need to carry "uninsured coverage" to cover yourself against those gamblers.