You're severely overestimating your ability, Salmon. People like you are the reason so many die or get injured for life on the roads, and you're more than likely to cause an accident one day. Hopefully you'll have the self distance then to not blame the other driver, and victim, for your mistakes. Pre-edit: Oh, you already been in several, and learned nothing from them. Great.
First, you're accusing me of being reckless/over-estimating my ability for wanting to drive at the speed that is legally labeled as safe to drive... Being unable to do that is the ONLY thing I have had complaint about in this thread, and I've even said that it only causes me serious rage when it's caused by multiple slow people clogging up multiple lanes, instead of leaving one lane open to those who want to go the speed limit as is widely considered to be common driving etiquette.
I've had three car accidents.
#1 - Three lane road. I was in the left-most lane. There was only one other vehicle around. They were about one car length ahead on my right. We were both doing 40 mph in a 40 mph zone. They abruptly turned in front of me, without using a turn signal or even slowing down. They were attempting to make a full 90 degree turn from the middle lane into the parking lot of the business on our left. Obviously, I hit them. Nobody was hurt. He apologized. We exchanged insurance info. That was it.
#2 - Fresh, light dusting of snow on the interstate during rush hour. Everybody, including me, was driving about 25-30 mph, when the speed limit was 55 mph. Guy beside me lost control and side-swiped me. Nobody was hurt. He apologized. We exchanged info. That was it.
These two accidents both happened within my first couple years of driving, and it was a hellish couple years. I literally avoided hundreds of people who seemed to be trying to kill me. I was run off the road several times by people moving into my lane without checking first. I avoided dozens of accidents because of people doing otherwise illegal or reckless stuff, similar to accident #1. People who regularly rode with me even commented that I seemed to be a magnet for other vehicles. Some mysterious force just made them all want to veer right into me. This was during the period that I drove constantly under the speed limit and was super worried about safety. My driver training had taught me to knock 5 mph off my speed for every adverse condition, which meant if it was dark, rainy, populated area, and plenty of traffic around that I was supposed to go 20 under. I actually stuck to these rules almost all the time. Over these couple years I got increasingly more paranoid. Until...
#3 - This one was my fault. Three lane road. The middle and left lanes were shut down a couple blocks ahead due to construction, and they were backed up for several blocks with vehicles trying to merge into the right lane. I was cruising along in the right lane at about 10 under the speed limit. I was incredibly goddamn paranoid at this point. I was completely convinced that one of those people was going to try and jump into my lane at any moment. I was watching the line of blinking turn signals to my left very, very closely. I didn't notice the light in front of me turn red just a couple seconds before I reached the intersection. Mashed corners with the vehicle at the front of cross-traffic, totalling both of them. A lady in the other vehicle pulled a muscle in her shoulder.
I realized that my excessive paranoia caused that accident and resolved that I would be a more relaxed driver from then on. I would drive the speed limit and be more concerned with my responsibilities on the road than with other people neglecting theirs. When I did this, I started having far less trouble. Other people seemed less crazy, and I've had to avoid FAR less accidents. It doesn't even make any sense, but it's worked. Maybe people did crazy shit around me because I made them impatient, or maybe I just didn't fit myself into the flow of traffic. I've been driving for 12 years, and haven't had any trouble for the last 9.
I'm also perfectly capable of driving on solid ice, and have kept control of the car when a tire literally exploded right out from under me (loud bang/half the tire torn to shreds).
The motorcycle accident was an isolated incident, when I only had a couple months of riding experience. There was a turn carved into a large hillside that looked really wide, but was actually fairly sharp and even doubled back a little bit. You couldn't tell because of it being at roughly eye level from a distance, causing perspective wierdness until you got closer. I overshot it into the ditch at about 40 mph, and learned that protective gear really works. The bike was mangled beyond repair. I got a slightly sprained ankle and a little scratch on my stomach.
Edit: I completely agree with Kaijyuu that the best answer is more public transport. I would totally be up for hopping on a train every day and then walking a bit more, but mostly I think that people who are not comfortable driving simply should not be forced into a situation where they have to do it anyway. There is almost zero public transportation where I live (Indianapolis).