It'll come full circle. People will start getting murdered / seriously hurt in Uber cars, maybe they'll be filmed without their consent while in the car, probably a few rapes along the way.

Then customers will cry out for regulation, insurance, etc. And it'll put the prices up.

I don't understand why you'd put your life completely in someone elses hands without any sort of vetting, regulation, insurance etc. Just so you can save a few $

Maybe a startup should disrupt the medical industry. Just provide "doctors" to patients based on online feedback scores. After all, all that regulation and training just pushes prices up.