Nev, Human factors is not just a load of ass covering BS. It is stuff that we must regularly remind ourselves of rather than ignore. However, nobody was claiming that it is the sole answer to the hazard management that we must observe whenever we do anything (even flying!).
The other issue that has been rightfully raised (and it is a human factor) is the safety CULTURE of each pilot. This culture is a combination of the pilot's learned behaviour and the person's deeply ingrained character. Some are just incurable cowboys no matter what their CFI may try to instill in them. Some are naturally cautious and courteous. Happily I find that our CFI and most club members arent too hung up to make a comment when required. And since it is done kindly, the culture is pretty good.
Anyway, until the rest overcome our natural tendency to quietly mutter to ourselves under our breath, when we see somebody do something dodgy, the culture won't improve.
We all have a duty of care to improve the culture of our fellow pilots, if only to keep the bureaucrats from putting the hobbles on our sport.
And another thing .... Accident reports are essential.
Just my take on the safety issue.