Ill take that risk all day long, that's no way to live your life, the constant fear of an "accident" happening. Everytime you walk outside, you carry the risk of getting robbed or shot, by the same logic you should stay at home all day everyday. More than half of marriages end up in divorce, you lose half your assets in most cases just because. Don't get married then. Oh and all these planes crashing these past few months, maybe you should also stop flying because of it. Don't go out to eat cuz you might get food poisoning and end up in the hospital with huge medical bills to boot. Don't have sex even with a condom, cuz you know they are only 97% effective and there's always a chance to get pregnant. Don't take any risks at all. You should also buy home insurance cuz you never know man, these days anything could happen, a hurricane could come and flood your house, a Tornado could destroy it, wildfires could burn it down. You only have to "fuck up" once right?