Most people believe they're above average. It helps explain why they do things they deem too dangerous for others. One oft-cited example these days: using a smartphone while driving. A recent Insurance.com survey found 75 percent of drivers viewed texting while driving to be as risky as driving while drunk - and 38 percent of those folks texted anyway. On one hand, we have mounting statistics, damning research and increasingly severe penalties. And on the other, just one powerful defense: A whole lot of people do it. Here's a look at the many ways the conflict is emerging.