I used to think like you do. "How does this benefit me?"

But as a pedestrian who was hit by an uninsured driver, I can firmly tell you that you have no idea what you are talking about. Driving is not a constitutional right. It's a privilege that the state gives to you. It's extremely dangerous for those around you, so limiting the ability to drive very dangerous vehicles to people who are financially responsible isn't the worst idea. You might even say, "but you can just sue the person who hit you if they don't have insurance." The response is to think about the kind of person who can't afford $100/mo and how much you might be able to squeeze out of them in a lawsuit over $20,000 in repair bills.