I use it daily and I would be the first person to agree that it isn't 100% perfect, but not in the way you are assuming. The flaws it has are that it errs on the side of being too cautious.
How about hardware? Is it all 100% safe? IIRC USA doesn't even require yearly warrant of fitness / MOT.
Are the roads perfectly designed and in perfect conditions? How about weather? Do you stop driving when there's blizzard outside?