That you have an opinion on this and know the circumstances seems to suggest you know multiple people who have lost their fingers, which would suggest the risk is actually quite high.
If a completely untrained person bought an entire shop worth of power tools and just started trying to build stuff, the potential for injury is astronomical. However, there's a right way to go about it. Every shop tool has a simple set of rules to follow. Learn the proper and safe way to use things, wear appropriate attire and safety equipment, pay attention, and the risk is very low.
Powertools are made to cut/grind/drill/etc... wood, metal, and even stone into useful shapes. All of these things are significantly harder than the human body. Of course the tools capable of doing it are dangerous.
A guy I used to work with had cut off 4 fingers on his table saw, 2 were able to be re-attached. He admitted that he was doing something stupid.
Also, when I was a kid, my Dad had almost lost the tip of his finger in a snow blower -- he was cleaning out the chute when his glove caught on the blade. Again, something that you aren't supposed to do. For myself, I've had a number of close calls -- sometimes a piece of wood gets ejected in the direction of the blade spin. I've learned to stand to the side, and now directly in front of the saw. Also learned the hard way that you don't support a board on both ends, and cut in the middle with a circular saw -- blade pinch, and a nasty bruise results. Again, if I had someone standing there that could warn me, I would have corrected my technique before getting hurt.
anybody that does a lot of machine/wood work knows a few friends with missing parts. whole fingers or partials.
i had a roommate for years, was a very skilled machinist... we called him "nine and a half" although he was really only missing about 2mm from his right index finger... state compensated him $10k for those 2mm's though.
