But risks must be compared to the relevant alternatives. Certainly, those who arrange their life such that they do not drive at all are removing a significant risk, as I can personally attest to having encountered several drivers who were, frankly, suicidal. I speak specifically of the person who pulled into a turning lane to pass (when I was already in it, stopped), and gunned it driving straight at me. By no means should you think that I am diminishing the very real risk we engage in every day while driving.
But most people measure risk by how easily they can imagine a scenario. As such, I offer this for you to contrast with the photos in the article: https://www.google.com/search?q=burnt+out+car&tbm=isch Such things are not uncommon and I have, personally, witnessed such. While measuring risk according to one's memory is a useful cognitive shortcut in many situations, but with the way our news sensationalizes things by highlighting unusual events and under-reporting common ones, it is not a useful metric.
Just like Elon did it, it sounds nice but doesnt make a lot of sense.
Note that there have been a lot of fires in those 3 trillion miles driven by ordinary cars (not just 1), as even a quick search shows: https://www.google.com/search?q=burnt+out+car&tbm=isch
On an individual level, I am far more worried about identifying and avoiding the disturbingly large number of idiotically suicidal drivers I have met. And I mean that very seriously: as soon as I identify someone driving erratically, I find some way to get away from them, whether it means forcing them to pass me, taking an unplanned exit, or what have you, I will make sure I put distance between us.
But I remain unconcerned about a single report of a small car fire when there are many worse ones every single year (if not every day...)