I'd think damn expensive insurance can be a good license getting deterrent.
You may have your license, but what good is it without a car to drive.
Sure the longer you have a license the more your insurance will invariably drop, but generally not having insurance while having your license is frowned upon.
If you haven't been paying insurance than you haven't been helping the man, so the man needs to make up for lost time.
Frankly obstacles for young drivers are good. If your mature enough to realize that you've got to put up with them to drive, than good for you, drive. If you huff and puff that your getting screwed, well, than maybe you shouldn't be out on the road on your own yet.