yes, people often have a hard time tempering their irrational instincts with a rational understanding of risks and probabilities. life is all risk (along with lots of reward). most risks are tiny, part of a very long tail in the risk distribution, and it's literally impossible to plan for all of them.
since many mitigations also have tiny costs (like wearing seatbelts), it's reasonable to do them. planning for a car crash is reasonable (30-40K deaths/year in the US, over a million worldwide). planning for a plane crash is not (less than 1000 deaths/year worldwide, usually much less). i share an irrational fear of flying, but i keep my irrational fear in check with this kind of information.
we should individually spend very little time worrying about and planning for plane crashes, terrorism (in the US particularly), child abductions, school shootings, and the like. the calculus can be different on a population level, so that doesn't absolve governments from worry about some of these things.
we should spend way more time worrying about heart disease (exercise & diet), cancer (food & chemicals, sunscreen), respiratory disease (smoking, air pollution/filtration), and accidental deaths (distracted driving, drug abuse) [0]. with guns, worry about suicides and accidental shootings (safe storage/access) more than self-defense.
[0] https://www.medicalnewstoday.com/articles/282929.php