Could the answer be to save extra money on the body work and provide less safety for the passengers? I'm wondering if it is like US football compared to rugby.

Could the answer be to save extra money on the body work and provide less safety for the passengers? I'm wondering if it is like US football compared to rugby. In football the players have so much padding, they run into each other much harder, as they've got protection. In rugby, the players are much more tactical in how they intercept the opposing team.