It also comes down to a fundamental lack of imagination and curiosity in some cases. If you can't imagine how a CWS caption or some other indication of a problem can become a smoking hole in the ground (with you in the middle of it) in 30 seconds or less, you probably shouldn't be flying. That very old adage about helicopter pilots looking old and worried because "if something hasn't gone wrong, it's about to" will keep you alive.
As for the "illegal landing" conundrum, again if you don't have the intellectual capacity to make the correct decision between selecting a potentially life saving course of action (landing), or having a legal dialogue over your choice of landing site, you should turn in your license now, or at least the captaincy part.