Shy - so it all comes back to how wonderful ex mil guys and their system are - they have a thing or two to teach us civvies! Funny how in my career many of the pilots I've known who crashed due to stupidity were ex mil, quite a few have never crashed but it is a miracle when you see their competence level. Well I'd say just about the same proportion as those who are civvy from birth. Funny that!
And even if it were not the case, it is ludicrous to suggest that PPLs should have to go through a military level of training, supervising and mentoring before being allowed out on their own. What planet... no idea!
On the other hand if I misunderstood you and you are just saying junior PPLs will inevitably be higher risk than those who are part of an organisation with supervision and mentoring then I'd say Duh! Obviously! But so what?