No nanny state in the world's known history ever created a responsible citizenry.
You're asking the impossible and it is a lie.
Government rarely protects. Caveat emptor is the rule and the Natural Law.
Are you serious, buyer beware when it comes to enforcement of laws that protect citizens from reckless drivers? Go back to your Ayn Rand quotes and double check on that one. (it deals with property laws, not criminal).