I'm obviously exaggerating a little bit. I even admit to it in that last paragraph. But you're also exaggerating in the opposite direction, cherry picking extreme examples that form a small minority of accidents.
Way too many people default to "There was nothing I could do about it, it was an accident" when in reality, the vast majority of the time, it should be "I had a small lapse in judgement at an inopportune moment, I should have acted/reacted better".
These errors are on a very very long sliding scale, ranging from not recognizing that the truck in front of you has unsecured cargo, to forgetting to scan the sides of the road for wild animals to forgetting to check a blind spot, to texting and driving, to driving aggressively, to driving drunk and overtaking on the right. Some are forgivable and understandable, but as you slide up that scale, they become less so. People need to make an honest effort every day to stay as close as possible to one end of that scale. Too many people don't give a shit, and when they cause a crash, calling it an "accident" absolves themselves of that responsibility. We need to stop using that word.