The situation you are describing is that automobile safety is implemented primarily by establishing standards and only secondarily by the existence of liability (though it's important).
Now, if you had a large company that bought cars and modified them, that company would itself have an obligation to do it safely too. And having regulations about that would be an absolutely necessary part of liability and safety.
...we absolutely have discovered some vulnerabilities which can be protected against using certain software development techniques, and I see no reason why software vendors ought not be liable for damages caused by their failure to follow these established techniques.
I would note that the existence of zero-days is absolutely not the most pressing problem of software security. Having a reasonable system of connecting X to Y is far more pressing. You can get in as much trouble with a misconfigured system as with a vulnerable system. But broadly, your point that there should be standards, is good.
Indeed, regulatory standards is what I was hinting at, not just civil liability (although I believe both exist for car manufacturers, and should probably exist for software vendors).
Things like institutes that study this situation outside the government itself may be necessary to establish trust at this point.
And you can't make the standards primarily about software vendors.
> You don't say your car made a mistake when it refuses to start one cold morning. There's essentially universal agreement on the 'semantics' of cars and bridges.
Since you mentioned it...I don't know whether this is the case, but I would guess that there might be regulations about the temperatures at which car batteries and other components must be capable of operating at. And, as car automation software becomes more advanced and prominent, I think we'll be discovering that there is not in fact universal agreement on the "semantics" of cars. There is probably already considerable overlap in the subjects of my analogy, for recent self-driving capabilities but also for much older standard things like airbags and anti-lock braking systems.
But my broader point was that this analogy is basically what 'can god make a rock so big they can't pick it up' is to a discussion of theology.
I see no reason why the same can't be applied to software. It's probably true that we can't feasibly create software and computer systems that are completely free from security vulnerabilities, but we absolutely have discovered some vulnerabilities which can be protected against using certain software development techniques, and I see no reason why software vendors ought not be liable for damages caused by their failure to follow these established techniques.
Just like with cars, there is always going to be some tradeoffs between cost and security/safety, and exactly where to draw the line is something reasonable people can debate.