Because what could possibly go wrong hacking a hunk of metal that transports you at lethal speeds...
Everyone accepts a certain risk simply by driving, and we all have relative risk tolerance. Point in case: I knew of a 20-year-old driver who owned a nice, safe vehicle but was too afraid to drive on an interstate highway because they were afraid. That's not a "hunk of metal" issue but a risk-comfort "issue," which really is relative. Regardless, your point highlights the eternal fight between liberty and "safety and…
Beyond that, if we assume airbags, on average, decrease injuries and deaths, then society also has an interest in helping to ensure that. Heavily injured and dead people put more of a strain on our health care system, and the costs for that are not solely borne by the person who gets injured or dies.
Certainly there's room for disagreement on whether or not all that is worth the added per-individual cost, the regulatory cost, etc. But let's remember that there are many things that, on first glance, seem to only affect an individual, but actually ripple out and affect others as well.