A five-star rating measures how well a structure absorbs an impact that has already happened. It is an honest measure of consequence, and the engineering behind it has saved an enormous number of lives. Nobody should argue with that.
The problem is what it leaves unattended. It says nothing about the road surface that caused the swerve, the fault the driver never saw, the fatigue nobody flagged, or the fact that the person in the seat was never taught how to handle any of it.
A car can hold five stars, be driven carefully, and still kill a pedestrian. None of that touches the rating. The person on the other side of the bonnet was also a customer, and 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.