Until the day when we can re-engineer the driver, it's not insulting, it's reality.
Only about 1/3 of all crashes have an environmental factor (including road design) listed as a causitive factor on the police crash report. Many of these have no relation to engineering, like animal action or glare. Even fewer (~1/8) are vehicle related.
On the other hand, 95% of the reported causitive factors involve the driver. Our influence on these things are limited. No matter how well we engineer the road or the vehicle, the screaming kids in the back seat or the diabetic's plummeting glucose will take their toll. Not to mention DWS (driving while stupid).
As speeds increase, the driver's zone of useful vision narrows, and reaction speed certainly doesn't get faster. If anything, perception-reaction time may worsen because the distance at which things become important to the driver can exceed the eye's ability to resolve them. At the same time, the reaction time available to the driver decreases.
For example, say you are at a stop-controlled side road. A vehicle is approaching you at a high rate of speed. Intersection sight distance for 55 mph is 600 feet. At these distances, depth perception doesn't work. We use other visual cues like the rate of change of the apparent vehicle width (subtended angle) to judge speeds and distances. Because of this, you can't tell how fast a vehicle is approaching until it is about 600 feet away. So, you can't tell if a vehicle is coming at you faster than 55 mph, you can't tell how fast it is approaching until it is already too close to safely make the turn.
Also, the effects of an error are magnified. Injury severity is proportional to speed squared (as one might expect from Newtonian physics). The chances of a fatality actually increase with speed to the sixth power.
Lastly, it's incomplete to say that speed differential causes most of the crashes on freeways, since many if not most crashes occur during times of congestion, in which case the speed linit is prety much immaterial. Also, the 80 mph speed limit only applies to rural West TX speed limits, where congestion isn't a factor.
"...students of traffic are beginning to realize the false economy of mechanically controlled traffic, and hand work by trained officers will again prevail." - Wm. Phelps Eno, ca. 1928
"I'm searching for the questions, so my answers will make sense." - Stephen Brust