Car crashes in times of crisis

"The behavioural studies I have looked at have said that during periods of crisis, financial crisis people can actually operate in a irrational manner," he said.

So we raise the premiums in times of financial crisis so that we can cover the cost of car crashes because there is evidence people oerate irrational when times are tough? Have we thought of raising awareness? Hve we thought of lighting the way so people can see their way through the tougher times? Have we thought of taking the pressure off?  I am not sure who is irrational here but we need to think calmly and clearly.