Why not both?
Actually elders here are a nuisance sometimes driving too cautiously, but they aren't crashing.
The most dangerous freeway stretch I drive (between home and ranch) is I-80 by Travis AFB. (East of San Francisco).
Brand new BMW's, Chargers, and motorcycles race and zig-zag through 70 mph thick traffic up to 30+ mph faster. Apparently airmen who just got a re-inlistment bonus, or maybe first-time California drivers with an enlistment bonus. And lots of cops giving them tickets. I've seen motorcycles down in that area twice in the last couple of months, one in the middle of a several-car crash, all in the fast lane. Driving at non-peak hours doesn't help, that's when the loons go out to race.
Another bad stretch near that is Lakeville Hwy south of Petaluma. 2 lanes. For some reason lots of head-on crashes. There's a sign up now noting 9 crashes in the past 6 months. I came upon one last year just after missing a yellow light. When I caught up with my cohort a drunk had just come over and killed a woman. Then a few months later I dodged a pickup that was half in my lane before he swerved back at the last minute, I think he was texting. I no longer go that way. Now that widening is completed on six lane 101 down to Novato, that takes the same time although its 6 miles longer.
I don't remember driving being this dangerous in my 60+ years licensed. Am I just getting old?