I think it can be entirely logical.
If someone has already decided to drive with no licence and no insurance...
They save on the costs of driving lessons, insurance. If the car gets taken from them from time to time, they might buy bangers. There's no real downside to it being taken away - especially if you have a network who can supply a new one in a day or two.
If you get nicked from time to time, that can be seen as simply a cost of the lifestyle. If it is less than the costs of not obeying the law, what's the problem?
When I see reports of someone with no licence or insurance being given a further ban and a nominal fine I see no reason for them to change their behaviour.
If you're a serial offender who has decided to become law abiding, I imagine the cost of insurance will be extremely expensive. It may be entirely logical to stay illegal.
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Not the sharpest tool in the box new
Not the sharpest tool in the box new