Perceived Risk vs Actual Risk

This article by Bruce Schneier struck a nerve - specifically (he's quoting this article by Daniel Gilbert):
We over-react to intentional actions, and under-react to accidents, abstract events, and natural phenomena.
I consider it a personal success that (only on sunny days, etc) I perceive intentional acts and accidents in the same way. This very distinct shift in my perception occurred on a memorable day, while I was reading one of the Daoist stories of Liezi.