You said: Which means that 75% NEVER HAVE A PROBLEM, so why not report it that way?!
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I don't smoke, never have. I don't who else does, that's a personal choice. But a 25% chance of a pretty crummy disease might bother me if were considering smoking. Sure, 75% chance of no lung disease, but I'm not sure what other risks I would take at 25% chance. If 25% of those who crossed the street were killed by cars, would you cross? If 25% of those who ate peanut butter sandwiches choked to death, would you choose another kind of sandwich?
Those odds don't sound too good when you are talking about a risk to your life. Then again, each of us gets to choose.
If you crossed the street 20-60 times a day for 25 years your risk of dying from being hit by a car would go way up.
If I put a 50 foot long 2 X 12 plank on the ground and offered you $20 for each time you walked the length of it without falling off. How many times could/would you do it?
If I extended the same plank between two 50 story building tops...how many times could/would you walk it and for how much?