A 1% chance of death that’s evenly distributed across 80 years is dramatically less impactful to one’s expected quantity of life than a 1% chance of death that happens immediately.
Additionally, I’d note that nearly all higher income individuals take steps to reduce their auto death risks including buying safer vehicles, living closer to work, and using professional drivers when drunk or otherwise impaired.
As for your final paragraph, it is wholly unreasonable to imply that covid (which is killing thousands of Americans per day despite a massive distancing effort) is less serious than the flu (which has persisted over a much longer period of time and which was not subject to special responses).