> If I compare how fearful people are and how many bad things have happened historically, I don't think the amount of fear is unreasonable.

I disagree, and I think this is a very strange way to think about it. Yes, bad things happen all the time, but the absolute number of them in history has very little to do with the risk that anything is going to happen to you, personally, in the future.

Well what I was talking about was whether there is a bias for fear. And so to see whether that is true you have to compare fear levels to actual risks and see if they are disproportionate or not. If bad things are always happening and people are never afraid it's fair to say they aren't afraid enough. If bad things never happen but people are always afraid then it's fair to say they are too afraid. I don't think either of these are the case though.