Keep in mind the manned Atlases were uprated for safety. For ICBMs it's cheaper to make two missiles for every target and count on one of them failing, than to make one single missile per target with high reliability.
Fueling a rocket is hazardous. The reason the pad is evacuated is because we know it's hazardous. And the known hazard manifests itself from time to time in actual accidents. If it didn't, we wouldn't have as much reason to classify it as hazardous. That said, I think SpaceX has room for improvement, but we won't know how much until we determine how preventable this accident was.