I’m confused why you would lose your license for being hit by someone else, that only happens if you are the one who caused the accident and were negligent enough that it was an unreasonable accident.

That said I do believe driving is a basic skill, in an emergency knowing how to drive can be critical, it can be life or death and not being able to transport yourself or others can have very serious consequences. Independence is another issue, you want to rely on other people to do nearly anything for the rest of your life? Unless you live in a large city with good public transportation giving up the ability to drive will absolutely cripple your personal development in the long term, you remain a child reliant on those around you and it’s really not cute once you’re 40 and still begging to hitch rides.

I don’t think think you need to be driving all the time but you absolutely should know how and be familiar incase you ever do need to respond to an emergency or you end up in an abusive situation. Choosing to remain dependent serves no one. Find a better driving school, ask your boyfriend to practice with you, drive in big empty parking lots or low speed roads, you’re literally in control of the car wether you feel like it or not and building confidence and getting some experience will help your feelings match reality