Crashing after hitting black ice on a hill is a skill issue. Its like skiing, or ice skating, you still have control even though the handling is very different.
Another personal favorite is driving on ice with a tiny layer of sun melted water so you can also hydroplane.
I've driven FWD cars in heavy snow and it isn't that bad. You just have to go half the speed you normally would.
Winter tires also go a long way.