What about the guy who spends his entire life flying low level, in the weeds, dodging obstacles, hovering over hostile terrain close to solid (moving)objects and never hit anything after 30yrs? And in that same time frame experienced 3 engine failures. How do you think they view the risk of donk's stopping when they review their risk factors?
I guess - looking at it from a regulatory perspective - the authorities can only do so much towards risk assessing the human being who drives helicopters - after that it is all about pot luck and whether he got out of bed the right side on the morning of his CFIT. No amount of gadgetry will ALARP this guy.
However, if it is an object - like an engine - you can risk assess it 100% and hence engine failures, though they are rare (for some) - can be catered for to remove even the slightest risk during take-off and landing in particular. Hence the performance profiles designed to protect life in public transport - no?