I wonder if there should be a two-tiered structure to replace the traditional drivers license. In flying, you can get a Private Pilot License, or you can get a Sport Pilot Certificate, which is easier to get but has fewer privileges. It would be interesting to see a state replace a drivers license with the Sport level license, which would only let you drive a vehicle up to 6,000 pounds (Cadillac Escalade), have other restrictions, and have a higher insurance rate. Then the higher level license would require additional training (somewhere between current DL requirements and the monthlong requirement for a CDL) and let you drive the full limit of 26,000 pounds and you'd get discounted insurance.