Re: In five years, self-driving cars will be common in traffic everywhere.
You're not looking at it the right way. You're thinking in terms of improving the lot of the common people, which is not how the ruling classes think. Their objective is to reduce freedom and enjoyment of life so they can have more power and control. Read Orwell's 1984 some time, it's the textbook instruction manual for how those in power run things.
-Lower insurance? Less profit for the shareholders. No chance of that happening.
-Lower fuel consumption? Less taxes and excise for the government. No chance of that either.
-Don't need a license? Less fees and reduced ability to identify travellers. Nope.
-Fewer killed or injured? That reduces excuses for passing more freedom-limiting laws. Uh-uh.
-No need for designated driver? Then there's nobody to blame if something fucks up. Sorry.
-Read/watch movies while commuting? Somebody's enjoying themselves on the road and we can't have that.
If you want to promote driverless cars, you have to make them appeal to those in power. For example, extol their virtues like this:
-Driverless cars can be taken over by police, the doors locked so the occupant can't escape, and directed to the nearest police station for easy arrest.
-They can be tracked and monitored wherever they go so the location of every citizen can be recorded continuously.
-They don't need a driver so you don't have to pay a chauffeur.
-You can bill people per mile AND per minute so you can compensate for the lower insurance and fuel usage.
-Instead of a driver's license people have to insert a credit card for identification and billing. This way it's easy to 'pip' a credit card to prevent "undesirable persons" from travelling.
Get the picture? If you word it like that you'll be much more likely to get the lawmakers on side with it, and then we can enjoy at least some of the benefits you describe as well.