No, you don't understand the problem at all.

The issue is not the technology or the absolute brightness of a bulb.

The problem is that replacement bulbs have a different beam pattern and the headlight mount needs to be adjusted. That's it.

In the vast majority of cases, car headlights are blinding simply because they're aimed too high. On most(all?) vehichles there is an adjustment mechanism under the hood. Problem is it takes special tools and procedures that nobody knows or cares about.

As a sibling commenter said, we've managed to survive for the better part of a century with toggleable high beams. This isn't a complicated problem.