Contracts are legal devices, but they correspond to agreements between humans that have moral meaning. I am entering into an agreement with the driver when I book and Uber, and the terms of our (moral) agreement are reflected in the legal contract. It's not rude to take advantage of something you've bought.
> Contracts are legal devices, but they correspond to agreements between humans that have moral meaning
You've succinctly distilled the differences informing our perspectives - in my opinion, the contract sets the floor: following the letter of the law (or contract) is necessary, but not sufficient for common human decency. YMMV.