I've often thought about what I'd have done in those towers on 9/11. New York's finest who ran to that maelstrom to help are indeed New York's Finest.

I agree you can do everything right and still have grievous harm befall you. But you can dramatically reduce the odds of that.

For example, I know what sorts of natural disasters the Pacific Northwest is prone to. I've taken steps to reduce the odds of one of them destroying me. There's still an element of risk, and I accept that.