And why not?
All jokes aside, what do you think insurance is? There's something or other that's really unlikely to happen, but if it does, it'd fuck you. So somebody takes a cut of money on the promise that if that unlikely shit happens, they'll bail you out.
No doubt there are plenty of rippers who have nothing like that. No doubt a fair share of them end up in a dumpster after shit goes sideways and they can't make it right with eddies.
It's easy to look at the name and think ripperdoc = always trash, but if that was so men like Vik wouldn't want to be called that.
edit:
Honestly you seem to have decided for yourself that ripperdocs must be sloppy uneducated gonks. I'm just going to quote from the wiki here.
"There are many Ripperdocs that operate legally, but some are known to conduct illicit deals, such as installing illegal military-grade cyberware for the right price."
Ripperdocs couldn't operate legally if being a ripperdoc was synonymous with being uncredentialed; if that were the case, the legal ones would be called something else. And nobody would
want to pay to get credentialed unless those credentials were of value-- unless it improved their ability to make money.
I'll just leave it at that, we're going nowhere fast here.