You’re right that we’ve created a world where pedestrians are forced to take a non-negligible risk just to walk to work. I disagree that that is ethical or just.
It's not about whether the risk exists. It's about what changes to the risk we're willing to impose on other people. Do you have the right to increase everyone else's chance of dying while walking in public? By how much, relative to the status quo alternative of driving yourself?
Drivers driving their own cars have a self-preservation instinct at work.
Walking in public entails risk that everyone accepts.