This is why Uber (no idea about Lyft) faces huge employee turnover. That one is in the stats. About 96% quit after a few months. (Less than half a year.) People get smarter once they get hit with a fat payment (repair for example, a crash, uninsured liability) and cannot keep up on the meager pay. They net a loss and often a big one.

Yes, the company is taking advantage of this. Welcome to capitalism. A sucker is born every second.