You might not, but then you're probably not the average driver. I'm not suggesting anyone goes, 'ooh my car has airbags, let's go out and drive dangerously', but more that very few people these days know of anyone that's been killed or seriously injured in an RTC whereas in the past it would have been commonplace. This must have an impact, as must making mistakes or poor decisions and regularly getting away with it - psychologically, lack of positive punishment and all that. It's a sideshow because overall the objective of reducing KSIs amongst the population is much more important, but it doesn't do you much good if your particular experience of it is some idiot crashing into you because they were over-reliant on some system.
The problem here is the word 'must have.' It's certainly logical to suggest that people will take more risks whilst driving if they're protected from the consequences of them, but so far as I can see there isn't any meaningful evidence that people actually do. In the end a car accident is a very unpleasant experience - at best - regardless of what you're driving, and most people drive carefully to avoid having one. I don't think that's any less true now than it ever was.
I suppose we're getting back to the old argument that the best way to make people drive carefully would be to stick a big spike on the steering wheel, ready to impale the driver in the event of an accident. To which I always respond that we've been there. Exhibit A, the interior of a 1950s Jaguar XK120:
No seatbelts, no airbag and that nice big metal boss to ruin your ribcage when you're thrown against it. And yet, the road death rate now is less than half what it was when this old Jag was built.
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