I wonder which is a better explanation for the numeric disparities: 1. The Dunning-Kruger effect (I'm a good enough driver to pay attention to what's going on

I wonder which is a better explanation for the numeric disparities: 1. The Dunning-Kruger effect (I'm a good enough driver to pay attention to what's going on around me and maintain control of my vehicle while texting, but I'm damned if I'll have my life endangered by all you other incompetents) 2. The Nash equilibrium (I'm not going to hamper my social and business life while everyone else is staying in touch with their friends more efficiently by texting while driving. If everyone else stopped, I wouldn't mind stopping as well.)