"Why have driver’s licenses at all? No, really. Why not just make it about financial responsibility? If someone’s willing to insure you, or if you can self-insure, why shouldn’t you just be able to drive? Does the licensing process really do much to weed out bad or irresponsible drivers? Enough to justify the expense and irritation of the DMV? After all, if you drive badly or drunk, the DMV doesn’t have to pay out any damages for licensing you. Somebody who was at risk, and not mostly just a place to park overpaid state workers, would probably do a better — and less intrusive — job."Professor Reynolds usually quotes others at Instapundit, but here he is in his own words.