If you enforce license and insurance you have two forms of motivation for the person to operate safely... first they can lose said license and cause serious hardships on themselves if that is their primary mode of transport, and if they cause damage / act reckless their insurance can increase.

I'm also very confused by your statement -- you seem to think saying that these folks getting a license is not a good idea, and then turn around and say it needs to be harder to get a license?? which is it?