I can’t remember which episode it was but in the Cautionary Tales podcast by Tim Harford a guest once explained that cars are too safe. Through the years we blamed cars for not being safe when people get hurt but few alterations were made to our behaviour if you campagne it to the advances they’ve made in car safety. If imminent death would follow everytime we made a mistake people would be more careful. That’s how I feel about the roads in Wales. The lack of oversight made me be more cautious. That and the fact that I normally drive at the other side of the road.
The general concept you’re describing is called Risk Compensation. It feels intuitively correct, but in whatever context it’s been studied in almost all cases it turns out that the safety feature is actually better overall. Some people might be a bit riskier knowing about the safety net, but not enough to counteract the safety improvement.
Also - in the UK - road deaths go down over time, while miles driven goes up. Driving is getting safer. Cars are part of that, but so is road nd signal design and driver training.