

We’re subsidizing that cost in increased insurance premiums.
This is the same counter to people claiming universal or state sponsored health care is going to increase taxes. We’re already getting taxed on that by the rising premium costs and less coverage for what we get/higher deductibles. I’m old enough to remember in the 80’s and 90’s that healthcare was basically “free”, as long as you were employed. Almost all procedures were covered and your out of pocket/co-pay was covered under most plans after a small $250/500 deductible.
We pay for it in one form or another. I’d rather pay for it in my taxes, like every other first world country does. Works pretty well for them.
It can be both things. You are correct, the road designs are dangerous, and the lack of driver education about road safety, and constant retesting, especially in the elderly, contributes to that.
Additionally, the size of our vehicles on the road increase the fatality chances dramatically in collisions/crashes with other vehicles and especially pedestrians.
There are numerous factors that all add up to be the hellscape that is driving in America. We don’t need to fight against one of those to promote another.