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But 20-year olds drive all the time by turtle17

For a typical risk college-age student, the mortality rate from car accidents and from COVID-19 over a year are in the same ballpark. A 20-year old can significantly decrease their very low chance of dying in a year by never getting in a car. But they do because we've come to accept the risk. Right now, even with similar numbers (it isn't 0.2% for a healthy 20-year old, it is of order 0.01%) people aren't willing to take the risk. Partly because the risk changes a lot with older age, and partly because humans and risk are an interesting combination.
But telling people that doesn't change anything, at least not right away.