I've personally seen babies die in hospital where they probably would have been fine at home. Giving birth is a natural process and unnecessary interventions can complicate this natural process, adding risk to mother and baby. I can go into detail about this experience but I would have to name change.
No one is talking about refusing help. No one is saying things can't go wrong. It's a personal choice. Personally, I feel much safer at home in the hands of competent midwives who are trained in childbirth, rather than in a hospital full of sick people being looked after by doctors trained in medicine. That's my belief, and my opinion. I respect other people would feel the opposite is better for them. If a midwife decided we needed hospital care, I would accept any help necessary.
It's my decision. I know the risks, I've decided there's no more risk to me or my baby than there is crossing the road. I've had two straightforward births, what good would suddenly being scared of childbirth be for me? I'm not stupid enough to think things can't go wrong, and I'm not naive enough to think they can't suddenly go wrong. These are all questions I have asked myself and decided home is still best for me.
No one has ever pushed homebirth on me, and I would never push homebirth on anyone else. I've read, educated myself, and spoken to healthcare professionals and I take that advice over other people who have dismissed it for themselves, often without the amount of research I have done.
And as for if the worst happens? Maybe it's just one of those horrible, tragic things, but that can happen anywhere, anytime and not just in labour and birth. Just being pregnant can be a risk.
OP, if you want a homebirth and you've had straightforward pregnancies, go for it. But if you're frightened in any way, give birth where you feel best. It's most important that you feel relaxed in your decision, it will help labour progress. 