Not to be difficult or necessarily disagree that there are pilots who
are accidents waiting to happen, but...

....most of the fatal accidents so far this year seem to have involved
highly experienced pilots with good reputations.

Telling ourselves that "it only happens to the bad pilots" and "it
isn't really all that risky" could either be true, or could be
dangerously close to denial (or overconfidence).

The evidence does suggest it's not entirely true.