A rating protects the people inside the car. That is a real achievement and it should not be dismissed. But a car can hold five stars, be driven carefully, and still kill a pedestrian, a cyclist, or a two-wheeler rider, and none of that touches the rating.
The person on the other side of the bonnet was also a customer. Somebody was waiting for them at home too. A standard that counts one group and not the other is not measuring safety, it is measuring liability.
So the question is simple, and it is asked here without any expectation of a comfortable answer. When a five-star car is involved in a fatal crash, who pulls that record, and what changes in the next model because of it?