Earlier quoted context omitted.
I've had at least a dozen Uber drivers suggest something similar when I road with them more than once. Almost all of them wanted to setup something so I'd pay less and they'd make more. I hadn't done it as I usually don't need Uber / Lyft much but most of the people I know who have used Uber / Lyft have also gotten similar offers so it must be pretty common I would think.
That works until there is any sort of an accident and the driver's insurance doesn't cover them operating their vehicle as a business. Part of the commission that gets paid goes to providing insurance.
Not saying this is legal/ethical, just that it would come to mind in that situation.