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Because people aren't just worried about death. They're worried about social order. Yes, not just governments but individuals worry about social order. It is a luxury of growing up in the west that allows people to say stuff like only governments worry about social order. Highway accidents don't have the potential to undermine social order the way terrorism does.

I think it's more that they fear random death: crazy snipers on rooftops, bombs at the park. They don't fear things that they (mistakenly) think they have a lot more control over.

heart disease: "But I eat healthily ... usually" traffic accidents: "I'm a good driver! I won't get in an accident."

It's a combination of poor risk assessment and Dunning-Kruger mischaracterization's of one's skills. I'm sure there's more to it than that.

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