That's on 260 million cars, or an accident rate of something like 1.3% on a yearly basis (unfortunately, this masks the fact that ~70% of those accidents are done by < 10% of drivers. So plenty of people are, frankly, just plain insane and have double digit accident rates).
That, we find perfectly acceptable. Drivers that crash cars about once a year are not that rare. And it's not like these people are the ones having minor accidents. Maybe it's just me but ... weird how people's sense of risks work.
A lot of people find risks acceptable if it is them causing it.
New risks however are alarming, and do trigger the fearful 'better not try that in case the worst happens' response in a lot (the majority?) of people - this probably makes sense as a survival mechanism.
We're comfortable with known risks, but new risks are scary.
You start with ten points that you lose with infractions, more points for more serious ones. If you run out of points, you don't drive or face jail.
First off, it is much too lenient and the points drop off your record much too quickly. Most infractions can be reduced in court and many crashes (especially single car crashes) don't result in infractions unless they are serious.
Secondly, those people will just drive unlicensed anyway, so it really doesn't matter if we take their license away or put them in jail for a month, they already don't follow the rules and don't give a shit. There's nothing physically preventing someone unlicensed, uninsured, or unfit to drive from climbing into an vehicle, starting the engine, and driving on public roads. The only thing that can deter them is getting arrested after the fact, but that's pretty rare.
My dad lost his licence years ago (for good reason) and a judge has denied his application to get it reinstated many times (for good reason). He still drives all the time and still crashes his truck fairly regularly. Sure, he gets arrested once in a while, but that doesn't stop him.
Points and permit revoking are the way to fast-track what otherwise would be administrative sanctions, clustering them to build a criminal case.
There isn't much appetite for points systems in the US because points systems just enrich the state and insurance companies at the expense of commuters because our laws about how traffic should work are so detached from what traffic actually does.
I won't even address "non-terrible parts of the US" nonsense.
At the moment you don't have a choice if some idiot cobbled some crap together in his basement, attached a load to it and decides to place it way over top of you in the sky.
Except I don't drive and I got hit by a car (it backed out into a main road over the pavement (UK) without checking mirrors properly and hit me.
Do I also have a choice about going outside my front door?
How is it refueled after landing hundreds of miles away?