First, I agree with your assessment of the risks and I do intend to consider surgery if my myopia worsens enough to justify it.
However, I don't think it works to compare the odds here. People accept the dangers of traveling by road vehicles because it's drastically superior to the alternatives. If there were an option that was less convenient/more annoying than a car, but just as fast, almost as flexible, and much safer (glasses/contacts vs surgery)... I think a lot of people would take it. (I realise this is not a perfect analogy.)
Secondly- and I realise this sounds a bit dramatic, and quite insensitive towards blind people- but I would not want to live my life without vision. If I get smashed by a truck and killed, that sucks but I'm probably not going to have to deal with it for long. If I go blind, that's something I have to deal with for the rest of my life and which prevents me from doing almost everything I enjoy doing.
I do accept that people don't tend to judge risk in a rational way. A plane crash is a much scarier concept than a car crash, even though it happens far less often, because
* plane crashes involve many people at once
* they are far more likely to be fatal when they do occur
* in some cases you will know you are doomed to crash many minutes before you actually do
* a passenger has zero control over that situation
BUT, despite this, most of us happily accept air travel because it's vastly better than any alternative.
The benefits of eye surgery, in most cases and for many people, are far more marginal than the advantage a car or plane gives you. I would therefore say it's quite rational for someone to decide it's not worth the risk.