One safeguard that is needed, and I believe is provided even in the US - is a strong union to ensure that "Because I'll get fired unless we go" isn't the answer. People in safety critical roles must be protected so that "No" is always an option for them.
For private pilots, reasons to push your luck sneak over from real life. To get home before the twins are asleep. To be back in time for work tomorrow. So that I don't miss Trisha's wedding. Because the replacement was very expensive and I can't afford it right now. The fuel prices are lower back home, we'll fill up there.
They will be investigating your weather accident in the sunshine, meaning you could just wait a short while and fly in that good weather rather than crashing today.
But if you put yourself in a precarious position, eventually it will catch up to you, and you HAVE to force yourself to avoid those positions, no matter how tempting.
I wonder if CFIs could basically be replaced by ChatGPT making pithy statements about "don't fly into weather you idiots". Probably too polite, though.