Point 3 in most develop country means driver can ask for deposit
before trip start, either estimated fare or one lump sum, driver
minus off from final fare.
Example driver ask for $20 deposit, fare $24.80, pax pay $4.80
more end trip. If fare $18, then driver return $2.
They even practice this in New York
The proof of ability to pay simply means, show me you got money
before I take you.
They still got pax facing camera to help deter such things.
And also passenger bill of rights sticker that states what are
the rights of passenger. Here everything pax complain also they
right. LoL