that is the point to Uber's (and the likes) success - they don't bear the risk of personal fines/jail time, it is the drivers who do. Similar setup to the one which prompted RICO.
Sorry if I sound ignorant but I don't see how Uber (or 99% of startups) are disruptive at all. I never used it because I prefer other modes of transportation, but it is basically a cab service, right? They just changed the packaging. To my knowledge here they charge exactly the same for a ride, without paying the fees cab companies are due.
The hard problem is to convince (or scam - not talking about Uber here) people to perceive your service as quality over competitors, regardless of what you offer in reality. If you are successful, you can brag and call it disruption.
As for paying, it's a big deal to me. Being able to just exit the car at the end of the ride is a lot nicer than waiting for the driver to scan my card, sign the receipt, etc.
These two small things greatly reduce the friction and make me more likely to use a cab over other options.
You might be the only person in the last 20 years for this to happen to.
It's a cab service that ignored the laws surrounding cab services in most of the markets they enter, backed up with enough lawyers to not instantly be shut down, thus they're able to offer a service other people cannot. That is what is disruptive about it.