I actually agree with this, Richard. I have long thought that the process of licensing people to use transport machines of any kind are completely insufficient. There has to be a tougher certification process instituted and harsher penalties levied for negligence.
After all, driving is NOT a right - it is a privilege, and things need to be taken more seriously. If you cannot demonstrate sufficient control of a machine, you should not be allowed to operate it. This is exactly why our insurance rates are so high.
I think insurance comapnies should start initiating programs to reward advanced drivers and riders with lower rates. This would give motivation to people to become better drivers/riders. The net effect would be safer roadways.
Of course, if public transportation would be better developed many of the bad drivers out there might might just choose that option, taking them off the road, further increasing safety. I know it's pretty idealistic and it will not happen, but it's a possibility.