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Related to Bernard Williams' concept of https://en.wikipedia.org/wiki/Moral_luck

It doesnt have to be true. If you are speeding while 100% focused on the road and with good weather, nothing obstructing your vision etc. you dont disregard safety same way as when speeding in area where there are multiple pedestrians while talking with friend or something.

I think you are missing the point, try assuming the same environment but two different days. One where you are lucky and another where you aren't.

Speeding is not an essential element there.

You could be driving 30 on a bog standard road, a child could trip and fall under your car, and bam.