Well, that's your insurance agent's take on it. Without knowing what "studies" he's talking about, it's impossible to evaluate it, though.
Well, they don't have to understand the physics involved, how the slip is measured and countered and all that - they just have to know how to use it and what's appropriate.
Yes. Just like idiots in 4WD cars will think they're invincible, the same sort of idiot will drive worse if they think ABS makes them into Superman. 30 years ago, Radial Tires were probably the thing, 10 years before that it was probably seat belts. Prior to that, it was probably cars with roofs that "made" people drive stupid.
Fact is, it's the stupid people, not the technology they're driving, that makes them do stupid things.
Dave Hinz