What you need is discipline to say no. That's the root cause of most of these errors. And yes that can be learned.
Every flying club has a few of these people that are talked about in hushed tones at the end of the day when the beers come out. And almost never was the problem their flying skill.
Even if it was it's usually something preventable too. Trying to fix an approach when going around would have been the clear choice. Letting mistakes pile up and not restarting from a known safe position.
Humans make mistakes all. the. time., and you're a human. It is pretty much guaranteed that you are making the exact same kind of mistakes in your day-to-day life. It just doesn't kill you because a broken car merely leaves you stranded and a broken pipe in your home merely causes some financial damage.
Do the same with flying and you'll crash so you'll die. In my opinion private planes should be treated like they are actively trying to kill you, and it is only a matter of time before you will become complacent and make a mistake.
It does not give you 100% guarantees but nothing does.
Of course when you're dealing with a light twin with geared turbocharged engines, there are additional risks from mechanical failures (such as engine fires), as well as mistakes that can happen when addressing an engine failure (shutting down the wrong engine, getting too slow and doing a Vmc roll, etc).
To be honest I would never fly in any light twin other than a Seminole (which I did my multi rating in).
My father subscribed to a newsletter that summarized NTSB general aviation mishap reports when he got his Private Pilot license back in the late 80s. I read them too and was astonished at how many mishaps were very bad judgement calls made by pilots-- flying when the weather wasn't fit, not checking fuel levels, flying after having experienced engine trouble, etc.
I think it should be required reading for every new pilot.
