Frequency matters.

One of these sets of risk is mostly theoretical (aside from the large scale stoplight outage), one of them is happening often enough that anyone who takes rideshare repeatedly will have a story.

If we limit ourselves to risks that have actually manifested, not hypothetical risks, I'd rather risk getting stuck at an intersection if there is a city wide power outage than deal with the weird conversations I've had on rideshares (not even counting the countless drivers who demonstrated that it is possible to drive a car without crashing for the duration of one rideshare ride without taking your eyes off the phone for more than a few seconds at a time).