Initial training gives you a foundation for success, but it does not make you competent... even if you had the best instructor with the best equipment that money could buy. Competency is something that you gain from re-current training, getting the most from every hour, and generally being proactive with your own improvement. Complacency can affect anybody, military or civillian. I think complacency has more to do with your attitude and professionalism, which is not the focus of most flight training programs.