Earlier quoted context omitted.
> How many times are you ok with putting your life at risk? That's not the right question to ask. If it was that black and white then you'd never get in a car.
Ok, if you really want a cost-benefit analysis, please state what is the benefit, because out of not bothering to turn the electricity off or not buying some cheap protection gear, I'm out of ideas.
Most people go on unimportant car trips just to save a few minutes or for a minor convenience, despite the risk.
It's not a huge benefit each time, but it's also not a huge risk each time. So don't round just one side to zero.
Also who said they aren't using protective gear like insulated tools? That sentence was talking about electricians after all.