Black ice is invisible. A car going 20mph on a 55mph road can hit black ice and slide all over the place. Were they still reckless? Have you never driven in winter? Also, there's a scale of "driving to the conditions". It becomes a point that YOU become the danger to everyone else on the road by being "too careful" if that makes sense. Like, for example, someone doing 45mph on a 70mph highway. They are the one who is being reckless, despite being "careful".
You can say all you want that you're not supposed to swerve, but that has no basis in the human condition of most people in that they don't want to kill or injure an animal. I'm well-aware you're technically not supposed to, but 99.9% of drivers on the road will swerve.
Drunk driving and getting in a wreck is not an accident. Not checking mirrors before changing lanes and getting in a wreck is not an accident. Blowing through a red light and getting in a wreck is not an accident. The examples I gave are commonly(and should be) considered accidental and/or out of someone's control.
What about debris in the road? Something "accidentally" falls off the back of a truck or a piece of something blows into the road, you hit it and wreck. It's unavoidable. Was the accident on account of recklessness on your part?
For the two cars coming together, say both checked their blind spot, no car there, so you proceed to change lanes, and you both come together into the middle lane. You did everything right, you checked your blind spot, then put your eyes back on the road, and turned on your signal. You can't stare at your blind spot the entire time you're changing lanes. That's not how it works. Then you're being reckless by not paying attention to the road in front of you.
I understand what you're trying to get at here, it's just not logical or based in reality.