Humans are naturally scared of the unknown. As you said, life is full of scary crap that we KNOW about, but we don’t know anything about what the experience of death will be like, scary or otherwise.
There is this great analogy for this.
Imagine you are in a room, and there is a killer in this room.
Imagine that this room you and the killer are in is dark.
Now, when the room is dark, there is a chance the killer will find you, BUT also there is a chance he won’t.
Now imagine you are in a fully lit room with this killer. There is no maybe about it, he can see you and he WILL definitely kill you.
Logically, we should feel safer and less frightened by the first situation, in the dark, as there is a chance we will survive.
But realistically, most people you ask would find the first situation, in the dark, MORE frightening than the second one in the light (even though in the second one you are definitely going to be killed and there is no chance of survival)
This is because we are afraid of the unknown. In the light, although we are about to die, we would feel relief in at least knowing whats coming, rather than not knowing the outcome, even if there is a chance of survival.
So to apply it to the question you asked, I think people are more afraid of death than life because they would rather deal with the crap they know about and can be prepared for, even if it all ends the same way.