It is a rare event that there are only 2 pilots in a freighter, the loss of life is minimal unless one could plan for a ground target.
Hmmm... I fly in "rare events" in a 747F several times a month, then...
Your second premise is EXACTLY the mind set that allowed the FAA to create the "cargo carve-out" in their new FAR 117 crew rest requirements. There is little regard for the pilots in the airplane; ONLY the legal and financial liability for the passengers is important any more.
If UPS6 had landed in the middle of Dubai instead of in the desert, or if UPS 1354 had landed in downtown Birmingham instead of a rural field, maybe some eyes (including yours) would have been opened...