I'm going to take a slightly different tack and say, you're inexperienced because you haven't crashed enough. I crashed about once a year for my first few years. I learned from each experiences and haven't repeated those mistakes.

But that's not what happened during your crash, by what you wrote.

You made a dumb mistake. Instead of steering to the left to stay on pavement, your steered to the right into the gravel. That's dumb. Then you compounded the error with a second dumb mistake, trying to to steer over the two-inch edge of asphalt. That's what tripped the bike--the two-inch edge of the roadway.

The bike was not at fault. It was the fault of two rider errors. If you learned from the experience, you won't do the same thing again. If there's anything to fear, it's not the bike "washing out from under you", but that you failed to learn and will repeat the errors.

Stay on the pavement. Don't ride so close to the edge. If you fail in that, slow and stop, then lift the bike from the gravel to the pavement. Or learn to bunny hop it.

I've made my fair share of dumb mistakes. One nearly got me killed when I tried to power out of a corner and hit the pedal on the pavement. This sent me off the other side skidding on my arm and leg into oncoming traffic. Dumb mistake.

But I'll tell you this, I never once blamed the bike, and I don't even dream of pedaling when I'm leaned way over into corners now. And that night, I finished the ride and tended to the bleeding when I got home.

And a few weeks later, I confess, I did the same thing you did, riding too close to the edge, then off into the gravel. I slowed and stopped, instead of crashing my way back to the pavement. Once was good enough for me. I haven't done that one again either.