It's a bit like a payday loan — the drivers need money _today_ and effectively borrow against the depreciation of their vehicle.

https://chicagounbound.uchicago.edu/jle/vol59/iss1/8/

Banning payday loans tends to shift borrowers to worse forms of credit.

One imagines worsening the economics of ride share jobs will do the same.

Not sure why you're being downvoted, this is what I've heard as well. It gets a person cash while they are in transitionary periods of time. There are not a lot of jobs you can get paid for almost immediately- most require startup time, training, applications, etc.