This is exactly right except the one modification I would make is that your seatbelts and airbags have a 50% chance of not working during a crash if it happens

This is exactly right except the one modification I would make is that your seatbelts and airbags have a 50% chance of not working during a crash if it happens after 2 miles of driving with an unknown decreasing chance of working for every mile thereafter. Also, there’s no way to know if they will deploy or not until after you’ve crashed. If our goal is preventing auto deaths in there scenario then yes we should stop people from driving until we get something that works consistently and reliably. The approach we’ve chosen is, of course, more like when my rock warded off tigers for the first 2 months but there was a tiger last week and tigers are bad so I’ve got to get more rocks.