Accidents are only ever due to human error, not pilot error, and no factor in issolation will cause an accident, there will always be ative and latent failures.
The problem we face in the UK from the pont of view of human error and subsequent accidents, is that GA is becoming pathologically over regulated to the point, that pilot's are in danger of believing if they conform to the regulations they must be safe. Over regulation takes away pilot decision making skills (common sense)