I'm skeptical this is really a huge factor; most bad driving is a matter of choice, not incompetence. And the bad driving that results from incompetence often t

I'm skeptical this is really a huge factor; most bad driving is a matter of choice, not incompetence. And the bad driving that results from incompetence often tends to not be too dangerous. And in countries with strict driving license tests people just try 3, 4, 5, or more times until they get "lucky".