You ever see a dog that’s got its leash tangled the long way round a table leg, and it just cannot grasp what the problem is or how to fix it? It can see all the components laid out in front of it, but it’s never going to make the connection.
Obviously some dog breeds are smarter than others, ditto individual dogs - but you get the concept.
Is there an equivalent for humans? What ridiculously simple concept would have aliens facetentacling as they see us stumble around and utterly fail to reason about it?
It may be helpful to think of it as a stream or a river, and not a collection of individual drivers. We can only control ourselves, not the stream. People working so hard to put themselves and others at risk are maybe shaving a minute or so off of their commute. Just not worth the risk.