I enjoy riding the trains. Freights generally come through at late night when the tracks aren't being used by passenger trains. When a kid on my bike, I came very close to getting hit by a freight at a crossing with no gate. I've been wary of train track crossings my whole life after that incident. With so many trains running, and even with all crossings having gates, unfortunate incidents still happen. People's negligence as a rule, I haven't ever heard of a gate failure. If a train hits your car and you have exited it, the bill that the railroad company gives you could well make you die from a heart attack. If a person is killed when a train hits their car, I think the deceased person's family is obligated to pay. The family also has to pay when their is a suicide jumper, more pain to your grief, and not an uncommon occurrence.