In Germany, if they carry less than 8 passengers and if their vehicles are below a certain weight, then they don't need to take a different driving test.
That is incorrect. This is only valid if you don't commercially transport passengers.
If you actually do transport passengers comercially, you need an extra driving license, and you need the same extra license if you transport more than 7 or 8 people _non_ commercially (in one vehicle) like e.g. if you bring boy scouts into a camp. Every bus driver bringing kids to school has such a license!
I mentioned the term "driving test", not driver license. Also, I provided a source. You didn't. And I did mention that you needed a taxi license in my following paragraph.
outdated local geography test that has been rendered completely useless by mobile applications such as Google Maps Navigation and Waze.
Well, I usualy have trips that are not longer than 15 minutes, and I appreciate it if the driver does not need 2 mins to set up the navigation first, especially if the spelling of the target is odd.
Then you should use Uber then, because you confirm the address on your own mobile phone, everything after that is fully automated, and the Uber driver doesn't have to set up anything.
In the US, Uber covers you for up to one million dollars.
Erm, do you actually own a car? I guess not.
I do, but only in California. The minimum mandatory coverage in California is actually crazy small.
$15,000 for injury/death to one person
$30,000 for injury/death to more than one person
$5,000 for damage to property
Not only that, but unlike most European countries where the system of stickers makes driving without insurance almost impossible. In the US, it's actually quite easy to do so.