Yes, writing safe code is a skill. But for most skills you need someone to teach you. My suggestion is, think about it differently:
The compiler isn’t training wheels, but rather a senior dev, that quickly looks over your shoulder and tells you, hey you might have missed something here. You can at any point tell them, trust me bro for this part. They need at some points a comment in the form of lifetime annotations. They are pretty good, but not perfect.
To pick up your example. They don’t tell you, you need a new wheel. They tell you, you’re bike has disc brakes, but your new wheel is missing the disk. When you later hit a wall, because you couldn’t break, you can check where you just said trust me.
Riddle me this.
A cop shoots a black guy, because he’s black, what does he get?