Seems a bit hyperbolic.

Small things can have big impacts.

They motivate you to see an angle you just haven't thought about.

I had the issue that I stoped feeling confident going on holiday without proper insurance in a time when i was traveling with my DSLR (worht 3-5k) but i wasn't 'rich' enough ot just replace it if something would break or steal.

There is a sentence: "A ship is not build to stay in the harbor".

I accepted more risk due to this and stoped overthinking certain risks. I'm not here to just sit at home and watch television and if i go out and try something, its fine to risk things