The automobile has been an equal opportunity death trap. I'm pretty sure that the standards are based on the incentive to keep the people alive. I don't think that they ever were not intended that way but it also might be a matter of us using materials to equalize the lowest common denominator.

Still very interesting.

I would what things would be like if we had hard money?

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Technically, that Bel Air was designed and built by an organization that was backed, ultimately, by a gold standard currency. (Most recently tied to gold from 1934-1971)

Anything that humans design and build will undergo an iterative progression through design responding to incentives.

Some of those incentives are- don't kill customers, users, and occupants.

Others are units produced and sold, profit margin, and market control.