One is about information. Modern technology allows new kinds of communications and learning and collaboration. It also means that for the first time it is technologically feasible for governments and other powerful organisations to monitor entire societies pervasively.
Another is about automation and efficiency and scale. Modern technology allows individuals or small groups to do many wonderful things. It also potentially allows individuals or small groups to cause far more damage than they could before, whether that is physical, emotional, economic, or any combination of those.
There is a certain amount of overlap. For example, some of the implications of widely distributed surveillance are concerning, but some of the implications of not just monitoring but actively influencing large groups of people by modifying (overtly or otherwise) the information and communications they receive are downright terrifying.
However, I think these are two quite separate issues in principle, and they each introduce risks of their own along with the benefits. Encryption is the counter to one form of risk in the communications area, and in that sense it does roughly speaking bring back the privacy that everyone used to enjoy automatically. Restoring that privacy necessarily means that bad people can use those communications channels to discuss doing bad things as well, but they could discuss those things in other forums instead if they needed to. We need other ways to control the risks of new technologies enabling larger scale threats, regardless of what we do about communications and encryption.
We have also forgotten a lot of this crap. EX: 40 to 81 people killed from a time bomb in 1875. https://en.wikipedia.org/wiki/Alexander_Keith,_Jr. Note, this was for insurance money not terrorists, but I don't think the dead care.
Some historical examples where donations where probably accidental. The Delft Explosion of 1654 killed 100-200 people. In 1769 ~3000 people where killed when a depo @ Bastion of San Nazaro in Brescia was struck by lighting. A lighting also sparked another detonation in 1856 killing ~4,000.
I've heard small conspiracies called out to justify mass surveillance. You don't really need mass surveillance of your own citizens unless you are concerned about very small conspiracies. Bigger conspiracies can be uncovered with more traditional detective work.
Freak fires are also not a great example. An arsonist cannot cause hurricane force winds to assist and push a fire through a city. This is effectively an act of God. The time bomb is a better example, though again I would ask for evidence that this was a fairly common event the way mass shootings and similar terrorist attacks have sadly become.
In terms of most kills by a single person one sniper is credited with ~700 kills and a mounted knight in plate was expedition to equal 100 peasants on average so 200+ in exceptional cases seems reasonable especially considering the Spanish conquest of South America where in the 1500's where ~300,000 vs 2000 and the 2000 won with minimal casualties. https://en.m.wikipedia.org/wiki/Spanish_conquest_of_the_Inca...
The fact that something is a convenient and effective narrative for propaganda purposes doesn't mean it is a significant and common threat.
Was what McVeigh did highly technical?
Modern tech has made it a bit easier, but it was still fairly easy throughout most of history.
Fires? I'm not sure it was that easy to set an out of control fire that would consume enough of a town to kill hundreds. Does everyone just fail to notice as you splash pitch on buildings all day leading up to the final act of starting the fire at night?
Of terrorism, the newscasters on TV who sensationalize the act and the politicians who fan the flames for their own benefit are just as guilty as the person who blew themselves up.
(Though obviously, only the latter is guilty of murder)
0. Voice over The Air. :-)
This is why technology has changed the balance. You don't need dozens of people to gather enough explosive material to pull this off today. And with fewer people involved, traditional detective work is harder, and those involved are less likely to leak details.
Again, if you want to kill lot's of people disease, and fire where the most common historical examples. It's actually much harder for a lone person to kill thousands today than it was 500 years ago due to effective methods of firefighting.
In fairness, until very recently it was also extremely difficult for two people to privately plot to murder hundreds. Technology has changed the balances on a lot of scales.
To be clear, I'm not advocating for government back doors in encryption here. But I am saying we should not pretend that encryption just puts things back "the way they were". It most definitely does not.