Do you consider that decision as contributing to an arms race?
Signed, A Miata driver. If I ever get in a wreck, I'm guaranteed to lose, but at least I'll go out in style.
While this isn't a complete substitute for regulations that systematically fix issues causes by negative externalities, I'd rather live in a society where a lot of problems are avoided because my fellow citizens generally care about my well being, rather than one in which the government needs to intervene left and right.