Don't make the mistake of presuming that levying a legal penalty equates to perfect compliance. When faced with a choice between compliance and survival, people will choose the latter.

https://www.iii.org/fact-statistic/facts-statistics-uninsure...

If policies continue to push more people to operate vehicles extralegally, problems caused by these drivers may get worse instead of better.

Did you miss the part where this can be highly dependent on the officer's judgement?

If you take away someone's ability to get to their job because a racist/corrupt/grumpy/power-tripping police officer decided to perjure themselves to declare that they drove recklessly, you have given police a tool to destroy the lives of anyone they dislike.