Just as you have no guarantee that you wont slip and fall and die while toproping, I have none as well. I do have the ability to make a judgement as to when it's appropriate to climb into difficult terrain above my gear or down climb to my last piece. I also have the ability to make judgements on rock quality and how solid a placement is. If I am concerned I have the ability to back gear up, or, once again back down.

Falling is a part of climbing it happens to everyone. Even if you are toproping you fall. By taking control of the situation and learning more about rock, gear, and fall consequences you can engage those risks appropriately. Simply looking at falling on gear as a sooner or later you will die kind of situation is silly and fear based. I look at it as a learning opportunity and value the experience I gain along the way.

Not everyone should go out and just take whips all over the place on all their gear. If you are experienced and understand what is going on then it is your choice. I think it is incorrect however to say that falling is guaranteeing some kind of injury. That just breeds fear in an activity that can produce enough of it without the people who practice it adding fuel to the fire.