As cynical as this sounds, safety has very little to do with safety, it has to do with money. How safe do you want to be? That will cost you x amount of dollars...
With respect to competency, you nailed it. It isn't the individual pilot who doesn't want to be proficient, it is the operators' who don't want or have the allocation to spend the money on IFR...either SPIFR or DPIFR.
And then when the pilot is IIMC, generally the aircraft is only basic in the installed equipment, and he or she neither have the skills or orientation to safety control the aircraft and navigate to and through the approach procedure. Then the operator projects the causal factors of the CFIT accident to the pilot.
And for the HAA guys and gals, the practice IIMC recovery every so often doesn't cut it. Operating in the clouds is not comparable to being under a hood...If your check airman requires that.
The FAA should mandate at least Part 61 instrument currency for all HAA pilots...No exceptions. Then at least there would be some consolation in that the pilot would be reasonably proficient.
No insult intended, it isn't the pilot's fault.