Also, imagine drunk flyers in bad weather.

I can't imagine an "open to the general public" flying car system that didn't involve huge amounts of automation, basically self-flying planes. A modern jet liner is effectively self-flying already. And, even though the pilots are rarely required to take direct control over the jets the alcohol limit is 0% and they're not even allowed to drink within 8 hours of a flight. So, to have a scenario with "drunk flyers in bad weather" you'd need a system with looser rules than current aviation, and less automation that current aviation.

Also, there’s no air bag in the world that can save you in a crash.

No, but there are parachutes.

Besides, most fiction involving flying cars also involves automated flying cars. Sure, often the "hero" takes direct control of the car and does some crazy maneuvers with it, but in the futures where flying cars exist, autopilots are extremely advanced, and most commuters just hit the button and relax. In addition, if an autopilot did exist, it could become "driver assist" if the human decides to take "direct control". So, even in a future with frustrated aerial commuters who get "sky rage" and decide to take over flying from the autopilot, a "pilot assist" program could still interpret what they want and limit the danger they pose to themselves or other craft.

The F-16 is almost 50 years old now, and for those 50 years it has been impossible for pilots to fly it with "assists off". The plane was designed from the start to be dynamically unstable. A pilot simply couldn't control it without computer assistance. The pilot uses a fly-by-wire system where their inputs are interpreted by computers that do the right thing while still maintaining stability and so-on. A future flying car would pretty obviously be designed the same way.