Retention of agency carries a benefit you’re not calculating
Add in all of the _other_ drivers on the road (compared to professional pilots in controlled spaces), and it's not even close.
But importantly, I have the ability to see and react and avoid the collision. On the plane, I have the ability to eat lunch. Surely this could be considered a difference in agency.
Just a few weeks ago an American Airlines regional jet went down near Washington, D.C.'s after hitting a helicopter.