I encourage you to read NTSB accident reports. The work the investigators do and the reports they assemble are unparalleled. There are also good parallels to complex systems in general.
OTOH, there are those, particularly those who actually get training and practice in the high-performance zone, who realize the physics of the situation, and feel positively naked driving out without a seatbelt/harness, or helmet where appropriate.
I don't know if this was added in an edit, but it doesn't currently say the average person. I'm pretty sure the average person trying to become a pilot thinks about the danger.
The guy who lives a dangerous life and has a ton of near misses probably thinks about it a lot more than average but it's not gonna change his behavior so thinking about it really isn't worth anything.
My father subscribed to a newsletter that summarized NTSB general aviation mishap reports when he got his Private Pilot license back in the late 80s. I read them too and was astonished at how many mishaps were very bad judgement calls made by pilots-- flying when the weather wasn't fit, not checking fuel levels, flying after having experienced engine trouble, etc.
I think it should be required reading for every new pilot.
What you need is discipline to say no. That's the root cause of most of these errors. And yes that can be learned.
Every flying club has a few of these people that are talked about in hushed tones at the end of the day when the beers come out. And almost never was the problem their flying skill.
Even if it was it's usually something preventable too. Trying to fix an approach when going around would have been the clear choice. Letting mistakes pile up and not restarting from a known safe position.
Humans make mistakes all. the. time., and you're a human. It is pretty much guaranteed that you are making the exact same kind of mistakes in your day-to-day life. It just doesn't kill you because a broken car merely leaves you stranded and a broken pipe in your home merely causes some financial damage.
Do the same with flying and you'll crash so you'll die. In my opinion private planes should be treated like they are actively trying to kill you, and it is only a matter of time before you will become complacent and make a mistake.
Of course when you're dealing with a light twin with geared turbocharged engines, there are additional risks from mechanical failures (such as engine fires), as well as mistakes that can happen when addressing an engine failure (shutting down the wrong engine, getting too slow and doing a Vmc roll, etc).
To be honest I would never fly in any light twin other than a Seminole (which I did my multi rating in).
It does not give you 100% guarantees but nothing does.
Pilot A might skip flying if the weather looks bad. Pilot B might go "well the storm's actually only at x location on my route, I'll fly around it". Pilot C might insist on more fuel but take the flight.
I'm not pretending it's possible to avoid (all) accidents with enough care - but if you look at NTSB stats, a vast majority of accidents were things that were quite easily avoidable.
Getting an instrument rating, flying in a plane with a weather radar that can go high (pressurized, beyond 40,000 feet or whereabouts), having another spare pilot and spare engine, and following the "big boy" scheduled airline (part 121) protocols and rules and minimums will almost certainly help avoid 50%+ (very conservatively) of GA accidents causes.
Yes, you still need to be careful and not fall victim to things like Get-there-itis (which pushes pilots to fly when they shouldn't because they want to get there). However... it's a swiss cheese model of accident avoidance. Remove as many factors from your side as you can, do your checklists, IMSAFE etc, and you're very likely to be (physically) okay.
Oh, and get a Cirrus with a parachute while we're at it. They've got auto land on their new planes too iirc.