You are correct about the statistics, you're more likely to be killed in a car crash than being held up in the bank. Concealed carry isn't about the statistics of likeliness, it's about how to handle it in the rare cases when it does happen.
Concealed Carry -> Bank Robbery
=
Seat Belt -> Car Crash
But that's the point of the stats: you don't need the gun because the chances are so incredibly, incredibly small. Its fear-based and its a cultural thing propagated by the media and the movies. Do you have no concept of statistics?
For every million people, 14,900 people die in a car accident.
For every million people, 42 are murdered.
For every million people, 4,065 die from falling down. So your chances are ten times greater that you will die by
falling down on the way to the bank and dying than being murdered.
Like I said, I think having faith in your fellow man goes a long way in leading to a more trustworthy, healthy society. There's no reason to carry the gun because its so, so, so much more likely you will die some other way and keeping the gun because you think it will happen is profoundly
irrational if you have any concept of statistics. Its the same as being afraid of being eaten by a shark when you go to the beach, or getting hit by an asteroid. These are all irrational fears.
I also find it ironic that Americans are so concerned about murder while they are also the fast-food and obesity capital of the developed world. For every million people, 200,000 will die of heart disease...
Also, we don't conceal our seat belts, so why do you conceal the gun? If they're actually equivalent, there should be no reason for you to conceal the mechanism you are using to protect yourself. Why does it have to be hidden?
Methinks its because there's a big difference between a gun and a seat belt.
Sources: National Center for Health Statistics, International Statistics on Crime and Justice (2011), National Safety Council