As an Uber driver in New York City, Anup Baniya works long hours behind the wheel of his S.U.V., navigating snarled traffic. The passengers he ferries across the city may be surprised to learn how little he earns. Mr. Baniya, an immigrant from Nepal, brings home roughly $25,000 each year after paying for his vehicle and other business expenses. His wife, Sonu Khadka, stays home with their 7-month-old son, Ivaan. There is little money left at the end of each week.