So the loss is no big deal to you as long as it is not the major cause. Some accidents are caused by unforeseen failures such as a tire blowing out. But even then, the alertness of the driver can save the day. Near Palm Springs, on the 10 Freeway, a bus driver rearended a stopped truck. He apparently was sleepy and didn't notice the truck. IT WAS JUST AN ACCIDENT! But if he was alert, it wouldn't have happened. Most accidents involving vehicles are mistakes made by one person or the other. Some people develop skills so they can avoid the mistakes of other drivers. These ones may go their whole life not having an accident. Then there are others who are constantly getting in accidents. Lack of skill, distraction, even drugs make them a danger.
You are so eager to accept the weak link as the standard. Like I said in another thread, if they are on their own property and cannot harm another, drug your mind out. But if they have access to vehicles or an opportunity to harm someone else, they must have their rights restricted.