There are 7m+ motorcycle riders on the road. There are 115,000 major motorcycle accidents per year. Assuming everyone only has one major accident, a person, on average, would have to be riding for 60 years before they have their first motorcycle accident. The average motorcyclist rides for 6 years.
Therefore, the vast majority (something close to 80-90% of riders) never have a major accident and never will have a major accident.
Sure, most motorcyclists know other motorcyclists that have had major accidents, but the idea that "there are only two types of riders, those that have had a major accident and those that will have a major accident" is just FUD and bullshit.