The onus here is on municipal and federal governments to make roads and cars safer.
Governments should make roads safer but until they do, we should care for ourselves.
Imagine a sidewalk where the ground is crooked, full of holes and parts of the pavement sticking up. Should we blindly go on the sidewalk saying "the government should make it better" or should we exercise caution not to trip and fall?
The same logic applies to most dangerous things. Should the government make sure the food and supplements that are imported is safe? Of course. Does that mean you should order food and supplements from any shady site from a random 3rd world country with no reviews? Absolutely not.
When I was young my dad took me out to the curb and warned me about the dangers of being on the street. He pointed out how fast cars were going, how being hit could be really damaging, how animals not infrequently died from being hit. He also warned about getting excited while playing games and inadvertently running into the street. Even bicycles were a danger. Everything changes at the curb. Having a good imagination, I took the lesson to heart.
How much of our "safety" culture around kids is because people don't have basic life skills and aren't passing them on to kids?
Making eye contact and waiting for a vehicle to actually respond to the conditions at hand will eliminate the vast majority of "assumed" mistakes. Trying to be 100% aware of traffic and understanding that folks can be even bigger aggressive idiots is also part of it, but not perfect.
You just have to accept that in some rare instances the swiss cheese holes will line up regardless of what you do. And be at peace with it.
I suppose since this seems to logical and "not a big deal" to me means that I am extreme outlier on the subject.