I'm going to go out on a limb here and say that your poor friends and relatives keep their cars in service for a long time.

More likely they're getting hand-me-downs from relatives or buying very old used cars. It's hard to keep an old car running if you don't either have capital or free time to replace aging parts.

In my experience, since getting a replacement vehicle is challenging, deductibles are crushing, and increased insurance costs are debilitating, the poorer you are, the more careful you are driving your car.

IDK I'd drive an M/T SC2 again if I could get one for the right price. It's a very specific level of scary-fun that is absent in modern vehicles.

That suggests to me you're disproportionately likely to avoid getting into accidents.