If one conks out the remaining engine will merely convey you to the crash site. You won't mind though, because you'll be so depressed about your negative bank balance that you'll be thinking of ending it all anyway.....
What a load of old rubbish.
Of course the accident statistics are poor compared with singles, but this is because so many twin pilots dont fly twins enough so their technique is poor when an engine quits, and because there are so many twins with marginal asy performance.
- I am just trying to be a bit controversial, cse I feel like it, and you couldnt be more correct about the negative bank balance.
For aircraft, even more than most things, buy the best you can afford it will end up cost you less in the long wrong.