Yes, driving a car makes you morally culpable for the harms it does.

If you ranked the harms you are likely to cause, driving a car would be very near the top of the list.

You are exhibiting an aspect of the myopia the article is highlighting.

It's more complicated than that.

Suppose you don't drive a car and that makes you unproductive. Unproductive enough, in fact, that you can no longer contribute your fair share in taxes or donations to the public treasury. Or worse still, you may require society's assistance.

Obviously, that makes you morally culpable for the failing to support our compassionate government's efforts to support the poor and unfortunate. You bear contribution to every death that's been caused by the underfunded social services and the lack of social workers.

I guess what bothers me about this wording of how people are “overlooking moral culpability”, even if it’s accurate, is that it sounds very accusatory. Like “How could you buy an SUV? Don’t you care about the kids you’re bound to run over?”

This particularly stings when a person thinks they are doing something normal like buying a car large enough to meet their family’s needs.

Determining the moral culpability of actions and complaining about it is one thing. And it’s by far the easy part. The harder and more important part is to craft a message that doesn’t sound like an attack on a person’s morality.

Not immoral, just more culpable. Is it immoral not to kill oneself as being alive makes one more likely to kill someone?

Suppose someone constructs a moral code trough the ethical aspects of opinion of editorials in major newspapers and applies it consistently to all aspects of life. Or take take such a morality made from internet blogs and comments.

Would you be surprised, if continuing to live is then deemed immoral?

It's more of a creeping normality [0] problem. Some cars get larger and people get accustomed to it, so it's hard to notice. Someone needs to point it out and from the reaction to this post, it seems that people are interested once it's pointed out to them.

[0] https://en.wikipedia.org/wiki/Creeping_normality