> I never understood the prevalent idea that traffic accidents are somehow random rolls of the dice. It's pushed by the auto manufacturers and insurance compan

> I never understood the prevalent idea that traffic accidents are somehow random rolls of the dice. It's pushed by the auto manufacturers and insurance companies to normalize driving and make you pay for more expensive safety features. If people drive irresponsibly enough to wreck their cars, but not enough to kill themselves (modulo the safety level of their car), they buy more cars and spend more money on car insurance.