A couple weeks ago I was on a motorcycle for the first time on a small island in Thailand. I was going slowly and had no incidents.
On the way, two girls on a motorcycle passed me the other direction going way too fast (and they were positively beaming - I was thinking "they are having a little too much fun")
A few minutes later we turned back and happened across them shortly after they fell off their bike going around a turn with nobody else around.
There is a reason they had an accident that day and not me. Yes of course things happen all the time that are out of our control but... Not always, especially when it comes to falling off your bike when nobody else is around.
Another story... I know somebody who got in a bike accident near a college campus somewhat recently. They never maintained their bike and their front tire had basically come apart while they were riding it. That was also their fault.
I know these are anecdotes but so is that story that prompted this discussion. In life it's important to focus on what you can control because those are the things most likely to impact you on any given day.
Flying a small plane is a totally different topic... There are several orders of magnitude more factors outside your control than riding a bike through a college campus