Some people might be upset to know that human life is not valued at infinity, no matter how gruesome the mess might be. Humanity cannot spend its entire income and effort on safety measures; if it did, we would for example be re-building our cities underground against possible meteor strikes (a small but real danger) and restricting road and rail vehicles to 5mph everywhere. I have worked on risk assessment in industry (not railways at the time) and we had a money value for a human life (I won't repeat it here as it could be emotive and would be out of date anyway) which enabled us to know when to stop adding expensive safety measures. The approach was accepted by the Health and Safety Executive, with whom we frequently met to discuss these matters.
FWIW I have been involved in a train crash clear up (the LU Moorgate crash). I did not deal with bodies, but I will never forget the smell of rotting death and antiseptic in the tunnel.
In fact, as is often the case where railways are concerned, if you have a certain amount of money to spend on improving safety it could usually be much more effectively spent elsewhere, on road related safety for example, footbridges over busy roads perhaps.
Pedestrian road casualty statistics show it is not that simple. I would rate foot crossing of a country railway far safer than crossing a road. If you can see or hear a train then don't cross. That is not a rule you could follow to cross the vast majority of roads unless you wait until about 2 am; instead you need to estimate speeds and distances, in fact you are having to solve differential equations in your head. As for swerving, I have had drivers swerve towards me a few times when (otherwise safely) crossing roads, just for the hell of it apparently.