I think dahamsta's point here is that you have to combine bad driving and speeding to get 90% of fatal crashes.
You've said bad driving causes more crashes, but speeding makes them fatal. So surely reducing the number of crashes we have is a better way to improve things than reducing the likelihood that a crash is fatal? A non-crash is guaranteed not to be fatal.
Incidentally, there's a difference between speeding and going fast. You try walking away from a crash on the motorway at 60mph. Well within the speed limit, but you're still dead.
And for the record, I keep to within 5 mph or so of speed limits 95% of the time. I sometimes notice myself going a bit faster, and will make a conscious effort to slow down. I've done PHTLS medical courses and have seen enough pictures of what you look like after a 60mph car crash!
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