Where should we point them?

Quite happy with my life, thank you. And the bees.

As a local beekeeper, I take offense to your sentiment.

HIPAA only applies to Covered Entities. 23andMe does not meet the HHS definition of a Covered Entity.

https://www.hhs.gov/hipaa/for-professionals/covered-entities/index.html

My completely uninformed guess is:

1. we all forgot how to drive like normal people during/after lockdowns and,
2. cars continue to get bigger and heavier, so accidents are more likely to result in total loss