I’ve never been in a single accident and drive a basic compact sedan I bought new off the lot 10 years ago. I could buy it used today, with current mileage for about the same price I paid new. I’ve paid about half the initial purchase price in insurance premiums.
Being a good driver sucks, but it’s kind of like healthcare where…wait a minute I’m healthy and getting fucked there too. As I age I’m going to street race and try to gain as much weight as I can.
Or an equitable economic system. Poverty and inequality breed desperation and support for extremism, partnered with no functional education system it’s the base for every authoritarian regime, ever.