Fagins Goat...
IF it was established that a civil pilot crashed his a/c due to running out of fuel because he did not check his load sheet correctly and carry the correct fuel, and did not continue to do fuel checks, then yes, he would be sacked. However that civil industry does encourage open reporting 'to improve learning' and it works very well (as opposed to the italian side of things whereby several controllers have recently been jailed).
As for civil a/c always flying with tight fuel that is not true. They will fly with what is required depending on weather at destination and alternate, however many of them will fly with max fuel loads and take the hit on the increased drag/cost because the fuel at the airport they have just departed from is considerably cheaper than at their base airport.