My condolences go out to those who have crashed due to drive train issues. A couple of thoughts based on many years of riding and working on bikes:
Part of a regular bike check should include getting down low (or better yet use a repair stand) behind the rear cassette. Eyeballing it in every gear, the cassette gear, chain, and derailleur wheels should be in a perfect straight, vertical line. If they are not, the cable needs adjustment, (there are adjusting barrels on one or both ends of the cable for this) or the derailleur has been damaged from a crash or fall.
The only cross chain gears one should avoid are big/big, and small/small. Chains are designed to flex through the range.
There should not be any popping or grinding sounds, or especially ghost shifting while riding. If there is the chain is attempting to jump gears because things are out of adjustment. If this happens under power, there is a greater possibility for a crash. Any bad sounds or ghost shifting should be attended to immediately.
Shifting should only be done while pedaling, under light load. Shifting while pedaling hard is hard on the parts, and also could throw your feet off the pedals. The moment the shift is complete you can safely pour on the power!
If you inspect cassettes and chain rings closely, any wear or damage will be apparent.
With proper care and technique, chains, cassettes and chain rings last a long time.