I agree with you MD900, "it's not the training, it is the attitude of the pilot".
I have read over the last few years how some senior examiners in the UK would like the 5 hrs instrument removed from the PPL course as it gives the pilot a "false sense of ability".
I know of one PPL friend who managed to go inadvertant IMC in an R22 solo, and luckily did exactly as taught to get back out, he will tell you himself, without that training he wouldn't be here today...
However you will always get the odd one that will risk it intentionally regardless of training, because of overconfidence and the "no one is gonna tell me I can't fly IMC " attitude, and we know what happens most of them...
BC.