Here's the problems with what you're saying: everything. First, you're asking one group to cover a service they really, really don't use for another group
Incorrect. They are covering a service for another group but for the purpose of getting that other group out from behind the wheel of a vehicle. In other words: they are increasing their own safety, and increasing the safety of all drivers and all people being driven by orders of magnitude, when ensuring that all drivers meet higher standards.
I am suggesting that driving be made a much more difficult privilege to get, so possibly the average person in society would be unable to get the privilege, in order to reduce the accident rate to a miniscule amount.
And in exchange, for becoming privileged those that are capable of getting the privilege, have to pay for in effect, everyone else to get a driver, to totally compensate for the inconvenience and privilege they are being denied, which benefits the drivers by getting these other people out from behind the wheel of a vehicle.