This almost does look like two discussions. Both of them are interesting!
Dave, I happen to be VERY aware of just how dangerous it is to drive.
You wait until the little Daveish offspring start to drive; it is never more apparent what a dangerous activity that is, until you watch your kid drive off for the first time.
However, several differences in the level of threat occur to me.
1. It's really tough to function in our country without getting into a moving vehicle at some point. Just the way it is. So in order to get to work, get my hair cut, buy groceries, etc., I need to face the danger of driving. I can wait a few hours in my house, though, if that helps me avoid the danger of being shot by a murderous madman on the loose.
2. At least with driving, SOME of the risk is mitigated by your own choices. Yes, one can always get creamed by a drunken lunatic, totally out of left field, but one can also lessen the more common risks in driving by never driving after drinking, always wearing a seatbelt, choosing less busy times to drive, things like that. A madman on the loose presents a (thankfully rare) danger that you have no way to mitigate, except to do what the police ask you to do as they try to catch him.
3. When I said "intent" earlier, I meant something like: MOST of the people you are driving along side did not get out of bed that morning with the intent to kill fellow drivers. It is a hopeful thing that most people who are driving just want to get safely from A to B, just as you are trying to get safely from A to B. This tragically homicidal pair definitely wanted to kill people, and that puts a different spin on the risk, to me.