And you ignore the fact that paperwork is expensive, not having it is simpler and cheaper, not needing systems to replace lost and damaged documents makes it cheaper still, making it impossible to have fake insurance and test certificates reduces crime and saves even more money, being able to tie the various systems like ANPR, insurance database, gas station cameras together reduces crime even further saving even more money, having the police able to receive an ANPR report of an uninsured vehicle from a gas station and then drive gently around to your house and wait on your drive until you get home reduces the cost of policing and removes the need for police car chases thus saving money and improving safety for us all, etc. etc.
It is only the criminals that don't like the system!