[bulbar]

> Over-protecting from a risk is as bad and under-protecting.

This is not generally true.

> For example - something bad can happen to you any time you leave your house.

The better analogue would be: outside of your house is a robber that will rob you if you leave the house. But you can't quantify how bad it will be to get robbed.

[xyzelement]

I think that's a fair analogy actually. I grew up in Brooklyn in 1990s and it was basically guaranteed that you'd have some criminal encounter in the neighborhood sooner or later. People still left the house because running that risk was better that entombing yourself inside the house.