Related: so called 'Bull Bars' are illegal in the EU, because of the damage they inflict on pedestrians even in light collisions: https://en.m.wikipedia.org/wiki/Bullbar.

We know yard design kills kids, but we still let landscapers sell them.

Having a yard that lets your kids play near traffic should be illegal because kids will run into the street. Why are fenceless yards still everywhere? Because those nasty homeowners want them.

The critical design factor is the low, non-existent fence, which allows people to go into the street instead of behind the fence.

Why are companies allowed to sell mass market yards with such a huge perimeter in front that children are able to cross? Where are the regulators at the National Yard Traffic Safety Administration?

I've felt that SUV drivers should be required to pay much higher insurance premiums, as per a 'danger' factor.

You choose to drive a dangerous vehicle, you need to pay higher insurance for it.

On a similar note it's also annoying how there's no standard height for bumpers. Sometimes you see giant SUVs with bumpers at your head level (as an adult in a 'normal' car). In any collision the point of impact is right at your head. When I see those I question how that design could even be legal.

Either the actuaries have priced the increased risk into the premium or your fears are overblown.

I guess dead pedestrians are cheap for the insurance? They would be more expensive when only injured. That means the SUVs are actually good for the insurance and they can lower prices.