It feels this way, though I haven't studied it.
> While I'm not suggesting that we go back to every car being a rolling death trap cum molotov cocktail, I'm suggesting more forbearance and a thought to cost/return analysis is probably warranted.
I somewhat agree, but this raises the next question: what is the value of a human life?
It is one thing for a healthcare system or insurance group to try to maximize something (quality of life? remaining life expectancy?) for a particular budget. It is another to tradeoff saving lives against lowering vehicle costs.