There are so many angles to putting ourselves into situations that are questionable. Most of the time common sense will keep us safe in most situations, but it is the unpredictable that reaches out and taps us on the shoulder. For example, the day a bunch of teenagers were swimming on lake Cumberland and pushed a number of logs into the lake and that night there were two accidents as the result. The reason I know this is I work in the ER at the University Hospital. It is no different than not wearing your seat belt or riding a motorcyle without a helment. Your chances of survival are much less, and more importantly, the long term care and the drain on the family is much worse, plus we paid for the high risk people's mistakes by paying high premiums for insurance. When we take risks, we must be prepared to deal with the possible long term affects when something does go wrong.