Earlier quoted context omitted.
The premium that you pay extra for the safety equipment in your car is likely more than 33%. We would have many new cars for 4-digit prices if not for the large number of safety systems required on cars.
Cars are designed to intentionally accelerate you to speeds that easily kill you, though, and carry along a vast amount of stored energy. Buildings are designed to stand still and generally not be flammable. The expected value calculations are seemingly quite a bit different.
It's not the speed that kills you, it's the impact. Multifloor buildings are designed to help you live and work at a height that can kill you, and to prevent air entering and escaping which can kill you.
If you can assume that the risk of fire or collapse isn't worth mitigating against, why not assume that a car will never hit anything?