With regards to the car crash probability: those are the odds that if something were to kill you that it would be a car crash, not the odds of actually dying in a car crash. In reality the odds of any specific 30 year old male in the US dying in a car crash over the course of a year is 0.02% (I don't have data for driving fatalities for china, but I presume they are not substantially higher). This is about 50 times less likely than a 30 year old who has tested positive for covid dying from covid, or equivalently getting covid at 30 raises your risk of death as much as a second lifetime worth of driving.