For the most part, it has nothing to do with people's general driving competency. It has to do with their anger issues. People really just don't care about others anymore. Defensive driving is virtually nonexistent for the majority of drivers, because everyone's mentality is entirely selfish. Most days, many people are just giving in to their rage. And it's not just behind the wheel either. All aspects of life are being swallowed by people's indifference and anger.

Someone I knew got their license as an adult recently, and they were terrified at the lack of an actual "test" in the driving test. They drove around the block, never got above 35mph, and encountered a couple other cars.

And once you pass that, as long as you renew it and don't have any violations, you can drive until you can't see the gauges or hold the steering wheel.

We should have driving tests like the Finns have.

I think the problem lies more in initial training and retesting. There is very little mandated training for a task as complex as driving and most training is done on open streets, not under controlled conditions with professional supervision. Furthermore, once you get the lisence, you got it for life just keep paying the fees. No need to retest regardless how the rules of the road change, street design changes, and car technology changes.