> It seems like inconsideracy on the road is at a high.

Could it be "Work From Home"?

A lot of what would be middle aged professionals probably now work from home. Pulling a big cohort of what insurance companies conssider to be quite safe drivers out of the traffic flow both decreases the absolute number of control rod-like safe drivers and increases the percentage of poor drivers on the road.

I'm sort of dead on in that cohort, and I make an absolute point to not be on the road during any traffic spike times.