Let’s work backwards. Take Checker Cab, Michigan’s largest cab company and the only one to cover all 147 square miles of Detroit. After a strategic planning retreat, the owners, now calling the company Checkmate, decide to: Replace dispatch units and meters with an internet-based platform that manages fee calculation and customer billing and provides a faster and more consumer-friendly matching of drivers with riders. Change the pricing model to enable the company to earn excessive premiums in peak traffic. Eliminate its extensive driver training focused on defensive driving and driver and passenger safety. Lower its renowned standard for driver background checks. Sell rather than rent its fleet of cabs to drivers, so it no longer needs to pay insurance. Create a process to make sure drivers are insured. Whether individual owners’ insurance covers cars used for commercial purposes is unclear, but hey, that’s…