First thing that comes to mind when I say "un-insured drivers"?

First thing that comes to mind when I say "un-insured drivers"?

Answer:

The first thing is irresponsibility.

The second is a degree of sympathy because people are so dependent on cars to work and live while insurance is so high.

That sympathy is dulled by two factors:
(1) If it costs them too much to insure, they certainly do not have the resources to act responsibly if they cause injury, property damage, or death.
(2) Many people are completely unwilling to explore the possibility of using public transportation or walking.

In most states, it is not insurance that is required, but proof of financial responsibility. One can self-insure, but one must show proof of ability to act responsibly toward others.

It is simply the Golden Rule.