Problem with the irating and safety rating is that people drive like they are real world race drivers only there are these problems.
1. Most drivers drive like they are real race car drivers but are not that skilled, when a situation arises they are not in full control to deal with it, divebombing is a perfectly normal way of overtaking in the real world, but takes great skill and is often a big leap of faith.
2. iRacing is much harsher on contact than the real world, small bumps will result in wiping out more often than not,
3. Being a game you don't have the same sense of vision or sense of depth/distance and speed that you have in the real world
4. At higher irating the stakes in terms of irating for wins is higher, people are more competitive and in the heat of the moment will make decisions in order to win, this is part of racing and people cannot be blamed for this, it is iRacing as a sim that makes it hard on these situations as even the slightest rub can result in a big accident, something that to be fair; in the real world happens quite often without consiquence.
Personally i think these problems could be fixed if the cars werent so fragile under contact, though the same could be said for the opposite as it could encourage more reckless driving and result in making the experience worse, see GT5 online racing for a perfect example ^^. Not an easy issue to fix.