It isn't about paying for your lack of responsibility, it's about wrecking other people's property, essentially on purpose because you know this thing doesn't work yet.
When Tesla first came out with the Model S, I remember reading accident reports in the news with negative results on the other party's end due to the increased weight. There was one story about how a Model S rear-ended a car & killed the occupants, but the Model S driver walked away without a scratch. A Model S can be nearly 5,000 pounds. A late 90's Honda accord is almost half that.
The cynical view is that only the wealth with access to enough funds to pay for a $100,000 car can drive in ultimate safety. But there are other factors, such as:
1. Bad drivers
2. Big vehicles...dump trucks, semi-trucks, busses, RV's, etc.
There was a poorly-maintained dump truck that lost its brakes about fifteen years ago here...it plowed through like 20 cars & killed 4 people, really horrible:
Laden with dirt as it descended a mountain into a prosperous suburb, a dump truck with a history of brake violations barreled into traffic at a busy intersection in Avon, Conn., on Friday morning, crushing cars and setting off a chain of fiery collisions that killed four people and injured 14...
www.nytimes.com
My point is, it's a dangerous world out there, with people doing all kinds of risky things - driving drunk, driving tired, driving distracted, driving angry, being a poor driver in general, not having any tread on their wheels, driving heavy machinery, etc. Tesla's software is yet another risk to add to the pile is all.
Regarding Tesla, I'm of two minds:
1. I think what they are doing is important & needed
2. I think they push the envelope & take too many risks in public, due to the pressure of doing business
We kill tens of thousands of Americans on public reads every year. This needs to stop. The technology is there & smart people are everywhere. And it needs to happen sooner rather than later. In the same ten-year span we fought the Iraq war & spent over a trillion dollars & lost almost 5,000 American lives, we lost over 300,000 lives on the roads...imagine if we had invested that money in making cars safer.
I've lost a lot of friends & family members to car accidents, stuff that would have been completely avoidable if there had been self-driving cars. But, it's risky out there, with poorly-maintained vehicles, heavy vehicles, bad drivers, etc. Tesla is on a mission to fix that, and that's a good thing.
The problem is that they are deadline-driven & thus are subject to the business pressures of competitors, stock prices & investors & bottom lines, budget restrictions, and so on. This leads to making sub-par decisions, like releasing beta software to the masses. People have literally died due to the Autopilot software. And it's a risk to drive around those heavy, software-driven vehicles. imo Tesla could do a lot better with their software rollouts & do so in a much safer way.
But, business is business, and the roads are risky, and we desperately need that software technology to advance...everything is a risk. I wish that Tesla would take a safer approach, but I'm also glad that someone is pushing the issue to make for a better future. That doesn't excuse their behavior, especially not for the families who lost loved ones from Autopilot-related accidents, but I do think it helps to see the bigger picture - there are a lot of risks out there, and progress on this stuff will continue until they perfect it, so it's a risk everyone has to deal with now.