I think there are several factors, here are a few more to think about.

Look at the overall age of the drivers. The younger you are the more Invincible you think you are.

Team will fix it. How many drivers do you actually see work on there cars (getting wrenchs for crew, taking a hammer to some sheet metal, or changing tire does not count)?

Cost- How many drivers pay for there cars and parts? Ya some drivers might lose it out of there winnings. When was the last time you herd I got to come up with $500 by wed. to go buy x,y, and z that got broke in the crash saturday?

Availablity of parts. If you crash, go buy the replacements parts and bolt them on. How many teams actually make any parts on the car these days?

General lack of respect.