A police officer would. The penalty for an accident might be negligent driving.

The penalty for an accident without a license is, at minimum, driving without a license. You're also not likely to be covered by insurance without one either, even if you're not at fault.

Sure, if you assume the one time they end up driving leads to an accident, which is a crazy assumption.

There are bad drivers out there right now, driving every day that rarely or never get into an accident.

Take a person who has marginally acceptable eyesight, who never drives, put them in an emergency situation where they need to drive and you've got a recipe for much higher odds of having an accident.

Given that getting a license is an option, and it conveniently doubles as a photo ID, and there's really not a reason to not get one.

People think about things differently. It may be that for OP, "but I don't have a license" would cause a second thought and waste time in an emergency. They may be self aware enough to head that off.