Earlier quoted context omitted.
My mom had a device installed in her car to get a discount on her insurance, and she was always upset at the hard braking thing - whenever she did it, it was because another car was doing something unsafe that she couldn't control, like pulling out in front of her.
Some amount of that is inevitable, but there is another level of defensive driving where you anticipate poor behavior and arrange that it won't cause an accident. Have a look at a few dash cam accident videos [1]. There are many maladaptive patterns of behavior, but a frequent one that the average good driver can improve on is limiting speed on two occasions: when approaching a blind spot, and when passing stopped or…
One thing HPDE taught me is that most people under brake in dangerous situations because they simply don't know the limit of their vehicle nor the sensitivity range of the brake pedal.
The hard braking heuristic makes sense when estimating risk of road segments, but not as a proxy for driver competence.