What If?

Just now I was revisting Chapter 10.  It seems no matter what we attempt in life there is a "what if" factor. 

Sometimes I smile at how this "what if" statement is not taken seriously at all, eg excessive speeding when driving, turning corners suddenly without due care, tail-gating, climbing ladders, and the list goes on. Yet, when it comes to securing ones future, hours of "sweat and tears" go into considering every little detail!!  Is this because we do not want to sacrifice any freedom to achieve some gain?  When you think about it, probably as much thought should be given to spur of the moment actions as one slip-up can destroy ones future plans.