There's no reason your fingers should be under the blade while it's in motion. That's just poor technique.
Not everyone is a chef. I guess 80% of people in the world have poor technique for cutting stuff but they mostly get away not cutting themselves because they have dull knives.
I recently had to glue my thumb back on after I lopped it off with a Japanese knife while I was dicing vegetables. At my age, I have probably moved that knife millions of times and only cut myself once. Nobody can have a perfect record.
If your blade is dull enough you’ll be using excess force to cut. People cut themselves regularly because they are using too much force and the thing they are trying to cut shifts and suddenly they have a finger under the blade. Or they are working with a dull paring knife and having to use too much force and it suddenly cuts and keeps going into their thumb.