I'm much more likely to die from a car accident or medical malpractice and I still drive to the doctor. Stupid me. LOL.
We already covered this, what's the confusion?
1) While cars may kill you in a wreck they also provide utility in that they can be used to transport you to where you need to go. That's why owning a car is smart.
2) Doctors may kill you with malpractice but overall the average person will live longer if they visit the doctor than if they never do. That's why going to the doctor is smart.
3) If you are purchasing a gun for the purpose of self protection guns actually provide NEGATIVE utility, making you worse off. That's why owning a gun for personal protection is dumb.
If you want to say that you own a gun for recreational purposes, hunting, whatever, those are all perfectly reasonable reasons to own one. Owning it for personal protection is not reasonable because guns provide negative personal protection.