Most people are safer than average most of the time. Risk is a heavily bimodal. The issue is that people keep driving even when it's risky. Maybe they have to get to work even though they didn't sleep much, or they need to get home from the bar, or they're road raging, or they don't have someone with them to drive instead.
People driving home from bars is the biggest issue of the ones you mentioned. People drink alcohol at bars, which impairs their judgement, and they then use this impaired judgement to then decide that it's a good idea to get behind the wheel.
They're all big issues. We have an entire set of federal regulations specifically to address fatigued driving for commercial haulers called Hours of Service.
