I think that you have all the answers to the questions you posted here on why people in general have disproportionate reactions to death caused by violence and

I think that you have all the answers to the questions you posted here on why people in general have disproportionate reactions to death caused by violence and death caused by accidents. It's all about human agency and intentions. Terrorist attacks are carried out by HUMANS with the clear INTENTION of inflicting harm on the populace. Accidents on the other hand lack these essential factors. When I walk by a chemical plant, it never crosses my mind that the plant would attack me or be capable of doing such a thing and therefore I am not worried to be around but on the other hand if I happen to be walking in a bad neighborhood late at night, I would be very wary of people around me because I know very well that some of them might inflict harm on me for any reason. So, I think that the comparison you drew between these two categories is not that solid and that people have every right to be "terrified" of terrorism and take all the precautionary measures to stop/prevent it.