That sounds reasonable for a practical general regulatory standard. For a personal standard, it is reasonable that an individual purchaser may use their own ri

That sounds reasonable for a practical general regulatory standard. For a personal standard, it is reasonable that an individual purchaser may use their own risk profile as that standard... as many of the risks involved are not random but can be controlled through choice or are inherently personal. For example, about half of all traffic deaths are due to drowsy or drunk driving. Accident risk for any given driver is highly distributed. For someone making a marginal choice to purchase a car, the choice they are faced with is choosing between the safety profile of a self-driving car and their own personal risk profile.