Fair enough, I have seen a few otherwise undamaged cars catch fire due to some flaw in the fuel system. By contrast, in my limited boat owning career (1999 to present), I have seen two sailboats sink at dock due to hose clamp failure/backsiphoning of the head intake. Neither was lost, but some upholsterers were made richer.
I saw a third boat take on water because of a clamp or hose failure (everyone was too embarrassed to admit it) on a C&C 35. Ironically, it had an Atomic 4 and furthermore, once some bright sailor had figured out the floorboards were floating and had shut off the seacock, they used the Atomic 4 raw water hose (presumably loose at this point) to suck the boat 90% dry. The Atomic 4 was undamaged by this, so I assume they didn't have a lot of particulate crap in their bilges.
Risk is everywhere, but frequently the amount of actual risk is really about managing negligence and/or ignorance.