were you said "this hasn't happened to anyone I know" is the part were you said it, but the point is just because it never happened to you don't mean it never happens as it does some time not saying it happens all the time but it does happen.
and the analogy works well, as it some think that happens but not to everyone so for me to say iv never been ran over so it never happens would be wrong to say just like people get banned for botting when not botting as fails positives happen from time to time.