When something goes wrong, saying 'it was just bad luck' protects your self-narrative right now. But it costs every future version of you the lesson you could have learned. The real cognitive battle isn't between risk and safety — it's between present you (who wants to feel good) and future you (who has to live with the consequences). Shifting your identity to be someone who takes care of future you unlocks better decision-making without requiring you to feel bad about yourself.