Imagine sitting in a car, that is fast approaching a cliff, with no brakes, while the driver talks about how they have not been in any serious car accident so far.

Technically correct. And yet, you would probably be at least be a little worried about that cliff and rather talk about that.

There’s a lot wrong with your analogy. I’m inclined to argue, but really it’s better to just disagree about the facts than try to invent hypothetical scenarios that we can disagree about.