Well, if you want to correlate mishap rate with mishap risk, it's doesn't matter if it's zero, or 10 or 90. I don't understand the crux of your argument. You seem to be saying there is no reason to raise wages, and there should be no meaningful difference between major and regional pay scales because experience and competence have not recently resulted in fewer casualties when comparing regionals to majors. While the rates may be similar, you can't reasonably argue that the risk of flying with two seasoned aviators is the same as flying with two dudes (or whatever) not long out of AllATPs. All carriers are required to have aircraft mishap liability insurance, and while the required coverage is less for regionals due to the number of seats, pilot experience requirements are a factor in determining individual airline rates.
There are great pilots in the regionals, and nearly all of my new hire FOs that have come from RJs have been awesome. But there are some that have slipped through the cracks. All it takes is one. While their individual mishap rate may be zero, the risk is most definitely elevated. They wouldn't be sitting over there if there were more people competing for that position. Better contracts would most definitely make make more and better candidates attempt to overcome the barriers to entry into the profession.
I absolutely don't fly on RJs. In at least 10 years, I've never needed to get anywhere bad enough to put myself on a regional carrier. Granted, not just because of pilot experience, but because of the whole experience. And if booking tickets for my fam, not even a consideration.