My experience with driving and sailing makes it clear that I operate routinely with a vanishingly thin margin of safety. With flying, the consequences are even more likely to be severe.
A client of mine, Stew, is an avid pilot and was trying to convince a friend who is an avid sailor to take flying lessons, assuring him that flying is safer than sailing. The response was, "Well, I'm sure you're right, but when something does go wrong, most people can swim, but very few can fly".
Now Stew flies absolutely by the book, taking minimal risks - with his flying that is. His new airplane he is very proud of, and boasts that it is one of only a few of that model still in existance. He admits the reason for that is this model is so overpowered, most of them have crashed.