Don't drive a car, IT might happen. Couldn't resist
Of course, and a much higher likelihood of IT happening too !!
Still, life's risky as we are fairly fragile in the event of metal vs human flesh and blood.
The risks to manned aircraft are there, and rules for all sharing the airspace, just like road rules while driving.
We choose to increase risks by going outside these.
Road rules like drone rules are fairly set in stone, but to enhance this, one can fly their drone like one can drive a motor vehicle defensively.
About 4 months ago, I had my first major car accident (at no fault), someone pulled out just 2.5 seconds in front of me and I t-boned them, luckily between the A & B pillars.
A bit over 40 years of driving, and never a previous claim.
Thankfully no one injured, the other party had airbags very efficient, suppose you'd compare to a parachute in an aircraft if practical.
I love flying without my eyes on my drone(s), just using the screen view, the map orientation etc, always keep LOS for signal in good health, and know how to get it home should I lose visual but still have control.
Of course a pilot would have failsafe RTH total signal loss as a back up, with settings properly configured.
Always a minor risk no matter what we do or how we prepare.
In general I probably fly within perhaps a few hundred metres on 90% of my flights, never more than 500 to 600m.
I once flew 1km / 1000m / about 0.62 miles, very remote outback desert region, no more than 80' or so above a several km long iron ore freight train, was daybreak around 5.30am, no likely aircraft and not even a minor airport for something like 200km (125 mi).
Felt so guilty afterwards, but know the only risk I was really facing was possibly losing my drone to some sort of crash.