Yes, it turns out you can make a lot of money if you pay no taxes and no money towards insurance. Your money is earned as a negative externality imposed on everyone else.
I'm not sure why you assume that the drivers pay no taxes given that they're provided tax paperwork by Uber. No doubt some don't but, then, no doubt some regular full-time employees don't either. As for driver liability insurance, it's provided by Uber: http://blog.uber.com/uberXridesharinginsurance