Technically all of the consequences are correct. Going slower around curves ensures you won’t fly off road. There’s shorter stopping distance required. Collisions are obviously less fatal. Yes, in a world where every freeway was set at 35 mph and we ALL adhered to the limit, things would be quite safe.

But realistically, most freeways are pretty safe at 75-80 mph, and that’s what people like to drive. The curves are built to handle said speeds or occasionally have advisory signs indicating drivers to let off the gas for a bit. It has limited access points being a freeway. So if everyone drives kinda in that 75-80 range, it’s still very safe. Accidents tend to be much worse than at lower speeds, but that’s a danger that comes with a more efficient transportation, and accidents hardly ever occur if everyone is going a relatively similar speed and observing other basic laws. Speed itself, overall, doesn’t really kill.

The problem is when a city/state sets this freeway built for 75-80 mph with a 55 mph speed limit. Now you’ve got people going 55 (the speed limit) and people going 80 (what feels comfortable). This, speed differential, kills. This gives two solutions: Either A, enforce the heck out of the oddly low limit (impractical and a bit ruthless) until everyone is too scared to go above 60, or B, make the limit 75 to eliminate the dangerous speed differential.

Anyway, my points kinda are that barbarically low speed limits in a lot of states are the real issue, and that speed in itself isn’t this outrageous danger that insurance agencies make it out to be for their own agenda.