I've crashed 3 times and been hit once in my 35-yrs of riding. Although most of that was just basic commuting and I didn't push things to limit until this year on track. I think rider is in control 99.99% of time and is responsible for their crashing events.
So many people do stooopid things, partly because it's so darn easy to get licence in U.S. I really believe we should have tiered licencing system like in Europe and require EVERYONE, autos and bikes, to pass a skills test 100%. Things like minimum braking-distances from 60mph, swerving obstacle avoidance while maintaining lane-position and control, passing between two trucks without freaking out, etc....
Here's an example of why that saying exists.
Link to original page on YouTube.