Educating yourself is not relying on luck. I think ahead only in the context of how to further my profits. There is no such thing as a disaster plan. The best laid plans fail all the time. Everything is a cycle. There are good times and bad. The funny thing is the more you dwell on the bad the more you stay in that down cycle.
There is no such thing as a disaster plan? Really? I guess backing up our data off-site is a waste right? If there is a disaster in our Data Center we should just say, "oh well it was a disaster. There was nothing we could have done." Let's ignore the fact that we've used such measures to recover from minor disasters already.
Is it your contention that there is no point in considering risk in deciding the best path to maximize your profit?
No backing up data is not a waste. However, doing so could expose your data to hackers, unauthorized access from the companies personnel that houses your data, and in the event of a disaster, no backup. Thats totally different from living your life worried a Black person is going to attack you but you knew that and thats why you are deflecting.
I'm not living my life worried that some black person is going to attack me. If, in the course of living my life, I come into contact with a person who, by my estimation, appears confrontational or aggressive, I will, in that situation, act with due caution. Will you?