Exactly right. Furthermore, most risky behavior is a choice. Crashes aren't random "acts of god" that strike anybody with equal likelihood. If you choose not

Exactly right. Furthermore, most risky behavior is a choice. Crashes aren't random "acts of god" that strike anybody with equal likelihood. If you choose not to drive drunk, drive in bad weather, or for many hours without rest, then you can greatly improve your odds and almost certainly reduce your risk below the average. In these discussions I often see far too much fatalism; "Everybody thinks they're above average but half of you aren't". ignores both the fact that crashes aren't distributed like that, and the fact that the riskiest behavior is a choice. The mean number of miles driven drunk is greater than zero, but the number of miles I drive drunk is zero.