One of my former CFIs had a fuel exhaustion accident where I think psychology played a part. He had borrowed our C172 many times to make a certain trip, and our 172 had extended range tanks. One day he called me and asked if he could take our plane but I told him no, it wasn't available. So he obtained another 172 but it had standard tanks. Among his passengers was a friend who was a student pilot and one of them visually looked into one tank and the other, the other, but did not stick them. They "appeared" full.
He almost had enough to make it back home. The engine quit and he had to put it down in a field, at night, just a mile or so from the end of the runway. Clipped a power line and flipped upside down but he and his passengers survived with minor injuries, except one broken leg.
It seems obvious how he screwed that up, but I think part of it was that he was so used to making that same trip in our plane, which not only had more fuel capacity, was always topped off when left in the hangar. The rental he took that lived on the ramp had been filled, but someone could have taken it up for a couple of touch 'n goes; he should not have assumed "appeared full" meant really full.
It's almost as if he forgot he wasn't in our plane, though the real cause was he did not pay close attention to fuel management, including redoing his calculations for smaller tanks and verifying how full those tanks actually were. This would fall under "complacency" I would think. It's easy not to redo the math every time you take the same plane on the same trip on similar nights with similar winds etc. But had he been in the habit of carefully planning the fuel each and every trip, he wouldn't have messed this up.
This sort of thing is why I'm a believer in doing checklists literally item by item every time. Psychologically, we become creatures of habit. A background context develops when we repeat the same activity over and over. Then when we vary one thing, the familiarity of the context may lull us into failing to account for the variable. This is of course subconscious- naturally he knew it was a different plane. But it was night, he was tired, everything else was the same, he even had a memory of talking to me on the phone, just like he did on the days he took our plane, so the context was mostly intact, and his subconscious was giving the message that all was well, until suddenly it wasn't.