Complacancy
There are more accidents blamed on complacency then lack of experience. If the middle of the envelope is the best place to be in regards to safety then perhaps pilots should be trimmed when they reach a certain age or experience level. At least older pilots should be kicked back to the right seat.
In our modern age of equality the bottom has gotten lower in regards to hiring low time pilots and the top has gotten longer with the age 65 rule. How long will it be before we start having accidents where two 64 year old guys fall asleep on approach?
The best approach is to minimize the human element altogether. In the end the answer will be fully automated planes.
Skyhigh