It all comes down to a personal level of "Risk"
I would imagine when we were younger and less experienced we all drove cars faster
than we should, as a single young adult who doesnt have to look after anybody else, personal "Risk" levels are quite high, as you get older / get married / have kids the level of "Risk" you are willing to take generally gets lower as your responsibilities to others increase.
This combined with experience means that the more you know the less "Risk" you are willing to take. ie you purchase more safety equipment / analysis the "What if ... " scenarios / Attend Training courses etc in other words you start "Managing the level of Risks"
Maybe these guys were unlucky and none of us are perfect, the sea does take prisoners, and when you look at the stats its surprising how few accidents actually do happen (or get reported) - Ignorance is Bliss