The only logical conclusion is that on balance, the person is more afraid of a negligent discharge than a deadly force attack.
You could be right in they are more afraid of a NG than violent attack but then again their decision may be made based on something else. Therefore, their logic may not follow your assertion. They could be making a decision based not on fear but on some factors that are theirs and theirs alone or maybe on their understanding of the probabilities. I have no idea what the actual statistics are here and I doubt you do either. Please educate me if I'm wrong. But what is the actual number of assaults that occur with almost no warning whatsoever? Sure, it's different for different towns but let me know your town and I'll do the research.
I'm no criminologist but I do have an undergraduate degree in criminology. What I remember is that most violent crimes include people who know one another and the majority of the rest of violent crimes come in areas or around activities that the average legal CCW holder probably does not partake in.
My point is I'm asserting that most of us responsible CCW folks avoid activities and areas where high crime is prevalent. In addition, I'm asserting that most of us live in areas where random violent crime is extremely rare to the point where it may not happen more than a few times a year in our towns regardless of size. Even if I'm wrong about all of you, this is true for me but like all of us I still carry on the off chance it does happen.
Now, since I'm saying random no warning crimes are very rare, and that most situations where you'd draw probably come with a minute or two of reaction time, and that some people probably don't feel it necessary to carry C1 to deal with the no notice assault, then your logic doesn't hold. Fear may not even be a factor in their decision making even if you don't agree.
I'm not begrudging C1 in any way. I carry C1 myself and see no need for me to carry C3 with either my revolver or M&P 9mm. However, I don't automatically use the word terror, fear, or untrained to describe how someone else may feel about their handgun and I don't assume that someone who decides on C3 is somehow scared or in terror or anything else.
Quite simply, I just let them make their own decision based on whatever logical or illogical factors they choose. Their gun, their CCW, their decision. Only if they are actually advocating that everyone else do what they do would I question their logic.
I leave it at that and can't understand why someone else feels the need to tell them what to do or to try and decipher their decisions and thoughts that go into it.
I also don't question anyone who decides on C1 carry. For instance I could see a point made where the likelihood of NG is raised in a C1 status regardless of training and the likelihood of actually needing to be in C1 vs C3 is low. With that in mind, I could see how someone may advocate for C3 for everyone. Of course, I'd go back to my "your gun, your CCW, your decision" to counter that argument but it would be a logical stance.
What is not logical in all of this is to place your idea of their thought patterns on them and then discredit their decisions based on those perceived assumptions.