> throw in some single-payer, universal healthcare
When you do that, don’t forget to include coverage for the stuff around your head: dental care, eyeglasses and mental health. Many countries forgot to include coverage for these things and it is a shitshow.
In the absence of evidence to the contrary, presumption of fault should always be on the motorized vehicle first, and then on the heaviest vehicle otherwise. Trucks > Cars > Motorbikes > E-Bikes > Bicycles > Pedestrians.