@Flying Lawyer excellent post.
Re MH issues:
So it may have happened to a pilot, but you would have as many chances of being in a situation where some desk jockey suddenly goes berserk and decides to start shooting moving targets at your office? Now what?
It's only human nature, some of us may or may not be affected by brain glitches, and a very tiny percentage of those who have them, flip out, and even so, a tiny percentage of those end up in disaster. But nevertheless it can happen.