The purpose for all that government licensing, bonding, and oversight is to manage risks, whether crime, contagion, or pests. These are socialized risks for which the cab or hotel company pays in fees and taxes. The sole proprietor assumes these risks, sometimes at the expense of their insurers who should probably stipulate that they will not cover losses incurred while functioning as a commercial cab service; else they could sell policies that do cover those risks.
If people want the blessings of liberty they ought to grow up and account for the consequences of what they do.