I think this is not a fair comparison. When crossing a road one has more input to judge the risk by looking in both directions, seeing potentially oncoming car

I think this is not a fair comparison. When crossing a road one has more input to judge the risk by looking in both directions, seeing potentially oncoming cars and estimating their speed. In the plane you have no way as a passenger to know when it's more or less likely that turbulences are flown through or how heavy they would be.