Future Industry Embarrassment
Regardless of what one thinks, there have been some fatal crashes in recent years where aircraft that are mostly or completely airworthy have been flown into the sea or ground by pilots who have forgotten how to fly and land.
Put that in your actuarial pipe and smoke it.
There's a good chance that this type of crash will come to dominate the statistics. Insurance pay outs and fines will always be far larger for such avoidable crashes than ones which are caused by overwhelming weather, unavoidable equipment failure, acts of god, etc.