Yes, my dad is a horrible person,I thought I was extremely clear about that.

Other family members I know who have lost their license, it's stopped extractly zero people from driving. If you don't care about the other laws enough to get caught breaking them enough to lose your license you don't care about breaking "no driving without a license" law.

Not sure in which country you live. Since the GP talks about the UK, It is good to remid that in the EU/EFTA victims of traffic accident are always entitled to compensation from a state fund, even if the driver or the vehicle is uninsured.

In the US many people purchase uninsured/underinsured motorist policies to protect themselves.

Yes but you know who pays that for fund? Everyone who pays for insurance.

Yes. It makes sense to share the burden among all drivers, instead of letting a few unfortunate people go bankrupt because of irresponsibility of others.