Your argument has plenty of validity, and I definitely believe that's how things will be in the future. That said, the difference between your examples and the example of AutoPilot is that those mature industries already have regulatory frameworks. When drug, insurance, banking, etc. were just getting started, the frameworks weren't in place, and they just played Wild West. By observing what goes wrong (or doesn't), entities can decide how they want to regulate.
You're right if you mean just AutoPilot/Autoteer. I was referring to the auto industry in general where regulatory compliance frameworks have existed for a long time. I'll grant you they likely haven't addressed anything like autonomous driving or Autosteer but they are political animals and can't wait until something goes wrong because they are accountable. Having said that I'm sure Tesla can work through this with the regulators.