new matrix

... didn't high end cars start with adaptive beams in late 90s (still xenon then)?

It's just absolutely pure greed that kept this still not being the base minimum.
(And whatever stupit lawy technicality in the USA banned even simple adaptive lights for decades)

Much like adaptive radar cruise control, it's a 30 year old commercial tech that is only now being mandated by law and even this only in it's lesser form of only emergency braking (sometimes done without a proper radar tech).

Both tech don't cost much to produce compared to car prices, but companies lose the huge margin they get on extra features.

But generally speaking, no matter the light emitter (incandescent filament or gas, led orb"laser") or refractor/projector - if everyone needed to get their car checked and stamped once yearly that is still road worthy most of such instances go away.
Unadjusted headlamps? Can't drive your car (well, that's usually a 30s fix on old cars).
Bad tires? No drivey.
Exhaust too fumey? Can't smoke here.
Brakes not performing to standard? Better call your mechanic if you wanna drive this car.
Installed unregulated shit on your car that endangers others (incorrect light bulbs included)? Nope, you need to prove it's ok first.

Regulations regulates, it's its thing.