Colgan Air 3407 - tired lowly paid pilots.
Air France 447 - junior pilot incorrectly flying the aircraft in an emergency situation.
Your right, modern new aircraft don't often go wrong. (That's what management and the accountants hang their hat on to reduce T&Cs) But when they do, you need highly trained experienced pilots to fly them. Eg Flight 1549 & Capt Sullenberger.
And you know the old phrase about statistics..... ;-)