As a young taco enthusiast once asked - - porque no los dos?
It’s not a binary issue - - you could address both sides of the problem. Do more to reduce the likelihood of accidents, but also minimise the damage done by accidents. Since there’s no magic on/off switch for car accidents, while we figure out the right settings to reduce them, maybe it’s wise to use strategies that minimise the damage done by them.
This is also great because you can filter out games with ads and microtransactions. See https://minireview.io/browse?monetization-android=no-ads+no-iap&monetization-ios=no-iap