Bill, I thought it was 100hrs, but, whatever.
Yes, complacency and, "I can do that" possibly coupled with, "I got away with it before, surely I can do it yet another time....".

As I said before, rules can't fix stupid. Whether a one time bad decision for whatever reason, or a symptom of poor judgement (that hopefully others locally point out on the side.....), rules don't fix stupid.
Continued training does.
Calling out someone to the CD/CM at a contest, talking to high time pilots/CFIG's locally "may" change someone's thought patterns.
Maybe not.
You know me, you know the active CFIG's at your home field, if you feel there is an issue, go talk to them.