Maybe some costs are protectionist measures but I for one see plenty of value in having an actual insurance, or knowing that the car is properly checked, that the driver understands the concept of driving as a job, etc. Insurance being the biggest chunk, basically to make sure that you (the potential victim) can be compensated. Those costs are there to protect the regular person.
Imagine "home" restaurants, where people can just sell food from their own kitchen with the same kind of regulatory oversight your private kitchen gets. What's the recourse when you eventually get sick or worse? Who do you blame for allowing this? How do you get compensated?
There are good examples now where people argued against the value of regulation right up until they got burned (see the lack of regulation in crypto and how easily this was exploited with no recourse from the victims).
Imagine "home" restaurants, where people can just sell food from their own kitchen with the same kind of regulatory oversight your private kitchen gets. What's the recourse when you eventually get sick or worse? Who do you blame for allowing this? How do you get compensated?
There are good examples now where people argued against the value of regulation right up until they got burned (see the lack of regulation in crypto and how easily this was exploited with no recourse from the victims).