Sounds like some of us can afford better cars than others! Personally, I've alway driven old second hand cars - and I've had plenty of engines stop on me! The best (worst!) was my Fiat Uno which suffered terribly from carb icing. Can't remember the number of times I had to stop at the side of the road to wait for the ice to melt. But of course, we can do something about carb icing in aero engines. Which is why we are largely comparing apples to oranges.
I've had fourteen engne failures in my career. They have ranged from spectacular detructions with flames and molten metal flying everywhere to a lack of throttle response. On twelve of these ocaisions, I've had another three engines still running, so they weren't much of an event. On the two single engined aircraft where I've had the failure, one was due to a damaged throttle linkage, the other a FADEC failure with an associated problem with the manual backup system. But both of these resulted in a sucessful forced landing (using the SLA method), but I'm trying to back up the point already made that there are plenty of ways for an engine to fail.
Which is why when I was instructing, when training people for an emergency, I rarely gave the student the standard fire or catestrophic failure. The failure which will get you is the inocuous progressive and 'gentle' failure which may not be noticed for a while, or will lead the natural optimist at the controls to believe that eventually everything will turn out OK. Rarely in life - and never when instructor induced, will this be the case!