I think fear is what has kept me safe this long. I've got at least 100 dives under my belt but I was quite careful to slowly ramp up the difficulty, and even now, I'm very cautious of really strong currents.
I must have done over 20 easy shore dives just getting navigation experience (and I'm still not super confident with it) before jumping on a boat to go deeper. And even then there were a couple of potentially close calls. I must have had over 40 dives before I even went on a dive holiday, and many of the scenic places are not super difficult to dive.