A stimulator comfortably positioned at FL000 is much more amenable to troubleshooting multiple electrical failures than a tin can balancing on computer-controlled thrust differentiating, 1900 feet in the air well below stall speed.

You are missing the point. Incidents do happen, but you just don't get to fly a fighter jet until you proved in a simulator that you are capable of flying it and troubleshooting it. What the simulator does is to see if you can be entrusted with the aircraft.

Yes, but decades of experience have shown that pilots are far braver and willing to risk their skin in a simulator than they are in the air. And for good reason.