I think that once again you miss the point.
It sounds like you're trying to discuss some aviation variation of the "trolley problem."
Me, I'm just a knuckle-dragging (retired) space engineer. If I lose an engine again, my utter focus will be on the same thing as the first time it happened: Setting the plane down without damage. I suspect this is pretty common to most of those in that kind of position. Coincidentally, pulling that off successfully prevents any damage to people or objects on the ground as well. Might give my wife's Aunt Jean conniptions (she's from the south) but I can live with it.
My curiosity was piqued, so I ran an analysis of the overall US accident statistics for 2011-2020 (e.g, both production planes and homebuilts). The NTSB database includes data fields that tally the number of people on the ground killed or injured. For that ten-year period, it came to 100 total cases, out of 17,787 total accidents. Boiled down to 44 deaths, 116 people with serious injuries, and 64 with minor injuries.
The first eye-opener: 41 of those 100 cases were ground handling accidents. People getting hit by propellers/rotors, lawn mowers crossing the runway at the wrong time, tug pulls an airliner over a ground handler's foot, etc. Some of them are a bit bizarre. Anyway, about ~18% of the fatalities and injuries were associated with these ground cases. I'll ignore these cases for now. So 59 accidents, of which 18 resulted in the death of a person on the ground, are left.
Four cases involved helicopters, I'll restrict the following to fixed-wing. That leaves us 55 cases where ground folks were injured by fixed-wing aircraft, including 16 accidents that produced ground fatalities.
Forced landings were less than half of that. 30 of the 55 occurred to aircraft with power available. Six of the thirty were stall/spin cases. Misjudged approaches, losing control during a go-around, student issue, a powered-parachute pilot veering off on takeoff, even hitting a skydiver in flight. 11 cases with ground fatalities, 13 cases with ground serious injuries. 26 total deaths.
Looking at forced landing cases...out of 25, there were five cases of fatalities on the ground, eight total deaths. Eight deaths on the ground over 10 years, and nearly 18,000 total accidents, from a fleet of nearly 300,000 airplanes. That's not much of a risk. Over the same time period, more than 60,000 pedestrians were killed by vehicles. More people were killed by sharks than died on the ground during someone else's forced landing.
If you're playing the Trolley Game, of course, the number of deaths is immaterial.
I'm pretty confident in my fellow pilots' desire to avoid ANY damage during a forced landing, which, again, reduces the chance of ground casualties. This is from their own self-interest, of course, not any noble sentiments. Sadly, it DOES too often result in a higher fatality rate (both in the airplane and on the ground) as pilots try too hard to save the airplane and end up stalling. I posted the survival statistics for various objects on the ground, worst-case being buildings at about 75% survival. These were based on NOT stalling the airplane. When someone stalls a homebuilt in an engine-failure situation, the survival rate is about 40%.
Personally, if I have to force-land my 1100-pound wood and fabric airplane, just because I maneuver to avoid a 5,000 pound Escalade doesn't mean I'm just looking for a softer car.....
Ron Wanttaja