Also hope I will not lose my consciousness in the middle of the desert where there is no hospital. Yes, there are risks in life and you cannot protect yourself from every possible danger. Life is harsh.
How many resources are you willing to allocate to limit and control dangers and risks instead of using them for your kids, education or maybe simple enjoyment of life? What percent of your income are you willing to give those who promise that risk-reduction and how can you measure that they lived up to their promise?