You guys all sound like soccer moms with nothing better to do. You realize that right?
I used to text and drive, back before all the 'OMG' about it. You know back when there were keyboards on the phone and you didn't actually have to look at your phone to type. It definitely comes down to an individuals abilities. It is not some grand scope. Some people are just really bad at things (for example, looking down in your lap...wtf).
That being said, MOST people are really bad at it and shouldn't be doing it, and 90% of those are women from what I've seen.
I've seen people reading books, putting on makeup, brushing their teeth, etc while driving down the interstate. It isn't just phones that are a problem. Even jacking with the radio or reaching for a cigarette can cause accidents.
What I do rather than bitch about it though is be very aware of my surroundings and what others are doing, and if some a-hole does something dumb while on the road using a phone, I road rage them down stalker like so that they are too paranoid to hang up their phone. You know, that point where they are on the phone going "I think someone is following me, this a-holes crazy!" Then I bump their bumper just enough to let them know, yes, I am following them. Then I race past them, and turn onto the next road just ahead of them, spin around and wait for them to almost pass me before driving right in front of them. Then...$$$!