I'm not sure I understand your analogy. My thoughts were along the lines of users unintentionally installing malware which inflicts harm onto others, or say ref

I'm not sure I understand your analogy. My thoughts were along the lines of users unintentionally installing malware which inflicts harm onto others, or say refusing to install software updates 'because it works' which in turn puts others at risk. But to use that car analogy, in my country it is a legal requirement to have your car undergo a safety check every year for cars older than a certain age. That is very analogous to installing software updates in my opinion, and yet we don't enforce legal requirements to install updates on personal devices.