The people OP is talking about, the 0.05% absolute worst drovers, are not merely complacent, they're doing things like getting hammered and going street racing (shamefully I can say, I was 19 once...) or speeding away from crimes etc

edit: someone else replied with data contrary to this, maybe they are right but Im leaving this here to represent the counterargument

It's a category error to say that everyone else are good just because they're not the worst you can imagine. It doesn't matter what your worst 0.05% do. It doesn't make most people actually good drivers.

The other reply doesn't contradict what you're saying. Someone who was street racing is going to tell the cops / insurance company that they were lost in thought.