I might be missing your overall point. But I'm saying it's the same thing, essentially. If you live in Oklahoma, what are the odds your house is destroyed by a tornado? Slim. What are the odds your average NYC commuter/resident is directly affected in a major way by a terror attack? Slim. You know you live in tornado alley, but don't expect a tornado to destroy your house. You live in NYC, the most targeted area for terrorism, but don't expect a major terror attack to affect you.