I lost my Class 2 medical 15 years ago after a heart attack. This occured 3 weeks after my CAA medical, which included a resting ECG, thus proving that the medical is a poor way to predict these events. A full stress ECG on a treadmill would have done so, yet this is not a requirement even for Class 1 for renewal. How many problems would it uncover in the professional world, if it was required at renewal?
I now fly without passengers on a car drivers licence. I have regular monitoring of my cardiac health and medication and it could be argued that I am far more of a known risk than someone on a CAA medical who has an undisclosed condition. A small minority will always fly when unfit, no matter what level of medical they have, just as some people will fly too low or in unsuitable weather, but this should not be the criterion for judging the rest of us sensible folk. I believe that there has not been anyone killed on the ground by a medically incapacitated pilot in the UK since the Second World War.