Here is simple analogy: my sister-in-law, a lovely woman, owns a car with my brother in law. My sister-in-law, for most of her life, has always lived in the core of downtown Toronto. She’s never really needed to drive. Now, she’s in her early 30s and has driven maybe a thousand miles in her entire life. She owns a car but hardly ever gets behind the wheel — does that make her a great driver?