Emphasis on "killed." I don't want to be struck by an SUV, but one hitting my apartment at ordinary NYC residential street speeds (at least, pre-COVID) is less likely to kill me than a plane crash.

Risk is a community exercise. You don't (or rather, shouldn't) get to externalize disproportionate risks upon the commons because it makes your life easier.

(An example of such a consideration: what happens when the fire department shows up? They know how to deal with a car accident; are they going to have the presence of mind not to douse a vehicle that looks like a normal personal aircraft in water?)