Any form of contraception that requires action at the moment of intercourse is doomed to a higher failure rate, because when you are sexually aroused, your brain chemistry changes and people are less moral, less cautious, less aware of longer-term risks or goals, and more likely to take risks.
Even if you are a conscientious, risk-averse person when you are at a baseline, when you're aroused you're more likely than usual to throw caution to the wind and prioritise short term pleasure over long term concerns. This directly contributes to lower usage of contraception. It's also behind a phenomenon where people will look at porn that normally disgusts them, apparently.
It's probably an evolutionary thing, as in when you're in a position to get pregnant, nature tries its best to make sure you get pregnant. I know that condoms aren't part of nature, but for example abstaining from sex or pulling out is a natural form of contraception and nature/evolution favours the humans that did not do those things.
I don't think it's true that the stats are untrue because people lie; they don't get those stats from polling people who are already pregnant, they are pretty robust studies where couples are randomly assigned a method.
People saying that the number of contraception fails on this site (or any) are unbelievable simply have a poor understanding of statistics. A 2% failure rate every year means 1 in 50. There are many, many, many times more than 50 people on this website and most people are sexually active for several years of their life, not just one year.
The amount of unplanned pregnancies is very high - I think it's something like 1 in 4? We don't notice the majority of them because if people are already coupled up/married and decide to go through with it, it is not always obvious whether the pregnancy was actively tried for or came along a little early in the plan or was an "oops, oh well, just one more!" and for somebody who it would be a disaster, thankfully we have fairly easy access to abortion in this country so she would not have to go through with it. Therefore, the amount of unplanned pregnancies we "see" is much lower and we assume that it is something rare, but it isn't really, it's very common. That is all unplanned pregnancies ranging from contraception failure with perfect use to contraception failure due to incomplete knowledge about how to use it, and from not using contraception at all or knowingly using it wrongly but thinking it won't matter.