Sure, but then shouldn’t you be dividing by distance / time traveled by the average American per year to get risk per mile / hour of driving?
Like, take your $25,000/year estimate, divide by 300 hours for a typical American, and you get ~$80 per hour of driving, which might start to look more worth it. (Again, I recommend finding a better version of the “300” number.)
(Another plausibly important correction would be the proportion of driving that happens at high speed vs. low speed.)
Hm, the reason I went with cost per year is that it felt like it would be easier to think about that way. Eg. $1000/year vs $3.33/hr, but now that I’m thinking about it again that actually doesn’t seem to be the case. At all. Good point.