No, this is precisely about accountability. It's not a new problem either: London invented this solution in response to this problem ~350 years ago. In the 17th century, there were many hackney carriages driven by unscrupulous drivers, who had no assets you could go after to pay for damages they caused through their rash behavior.
Here are two solutions:
1. Enforce a skill floor on drivers, so the worst cannot drive at all.
2. Require the rest of the drivers to carry insurance, so that any damages they cause to a third party may be assured coverage.