The civil world does worry me with lack of check rides and lack of standardisation. It worries me when I hear fellow club members saying things like:
"I have my annual check next week. I'm a bit nervous, at my age I don't like having my flying ability put under scrutiny. I would much rather be left to get on with it."
I get scared flying in civvy world and I'm not afraid to admit it. Mainly due to the egos of people who think they are skygods when clearly they are not and those that will insist on flying with the eyes in chatting to whoever, looking at the map or the instruments and not looking out.
Something I have learned in life (not through flying):
However good you think you are at something, those with more experience are generally going to be correct.
If I am flying with someone, I have no qualms about taking control and telling them what I think. It's my life in that cockpit as well!