They get around it in Minnesota by getting insurance for the transaction in which they need proof of insurance then cancel it the next day.
Then the insurance companies aren’t doing their jobs. The insurances companies need to monitor all who cancel and report them to the State. Then the DL should be cancelled and put in a registry accessible to the police. And I am usually NOT for more Government intervention, but this sounds like the only way the insurance requirement could work.
It's why there's been dozens of these "The General" "Vern Fonk" type joints opening up that sell it by the month.