Re: Uber limits
"Well no, then again, the absolutely last thing you want to do is bring professional extortionists into a business model."
Let's examine that a little.
Maybe you haven't had the experience I've had of being in a taxi that's crashed*. If you had & had been injured then you'd need some compensation for loss of earnings or any out-of-pocket costs arising from that. As the taxi driver himself might not be able to afford this you'd rely on the driver's insurance.
The driver's insurance costs will in turn be based on certain assumptions. If the driver is assumed to be involved in the sort of mileage and passenger carrying levels of a private motorist then the insurance company will be rating the risk as much less than that to which they were really carrying**. And in that case they may refuse to pay and you'd be seriously out of pocket. That may be a risk you wish to take but most taxi passengers probably won't agree with you.
*No injuries to me or the other passengers. I'm not sure about the car he T-boned; it was amazing how quickly another taxi arrived to remove all possible witnesses.
**The alternative, of course, is that the insurance companies spread the taxi drivers' risks across all motorists so that the many of us who aren't taxi drivers subsidise those who are.