If you believe what you are saying, it seems to me that you should be happy to play the inverse lottery, and believe there is literally no downside.

Doesn't this describe the standard response to cars?

Just think of all the low-probability risks cars subsume! Similarly, if you take up smoking you no longer need to worry about radon in your walls, pesticides in your food, air pollution or volcano dust. It's like a consolidation loan! Only dumber.