Airbag malfunction (going off when they shouldn't) is so rare that it's not even tracked as a statistic. If you're seriously contending that airbags are dangerous you seem to be leaving out the part where they save ~2500 lives per year in the USA alone.
I've never had an accident beside a very, very light fender bender. Doesn't matter -- car accidents are a leading cause of death. That's why government and manufacturers both invest so much energy into safety features. This is why, for instance, you can't buy a car without an airbag or a seat belt.
Because it's extremely uncommon.
You're sitting on a tank of explosives. It's easy to make safe things sound dangerous.
Can I interest you in a wide variety of computer aided driver features? They're not my favorite thing, and I don't know if there's data yet to say whether they reduce accidents. But there's a lot of work into compensating for bad drivers.
That's a really strange age to choose for that. 60 would make more sense.
How will the 18 year olds we send off to war report for duty if they can't drive til they're 21?
Unless we remove drivers from the equation, accidents are going to happen. Posing a false dichotomy between improving driver performance and implementing crash worthiness is a very odd position to take. And a dangerous one, which is why I've bothered to type all this out, lest other people make poor choices based on your logic.
I would like to call your attention to this graph:

And I will make a claim that the amazing decline in fatalities over the decades is not due to drivers becoming better drivers. It's because people whose job it is to make people safer did their job instead of yelling at the sky about "explosives".