The things we most fear like crashing in an airplane, being killed by a burglar, dying on the operating table are unlikely ever to happen to us. "We are risk illiterate," one safety expert says. "We have a completely distorted view of life's real perils." The chance of dying in a commercial airplane crash is just one in 800,000. You are more likely to choke to death on a piece of food. You are twice as likely to be killed playing a sport as you are to be stabbed to death by a stranger. And the chance of dying of a medical complication or mistake is tiny (one in 84,000). You take a far greater risk riding in a car. One in 5000 of us die that way. The next time you buy a lottery ticket, bear in mind that you are at least 13 times as likely to be struck by lightning as you are to hit the jack…