Then you have a recently graduated Cessna 172 trained cadet now in the right hand seat of a twin jet transport nervously saying to his captain "I don't like flying in cloud" as they fly through cirrus. And to think he is second in command of a big jet transport. If the captain has an "event" and keels over, it doesn't take much imagination to guess what happens to the aircraft.
Fortunately statistics are kind to them both.