As with most cognitive biases, there's an inverse to this, where we ignore low-probability high-impact scenarios. E.g. people drive drunk or without a seatbelt, because it'll *probably* be fine. And they repeatedly have that assumption confirmed--until one day it isn't.
I had one friend who would leave his bike chained partially blocking a fire exit, because "what are the odds the fire inspector will come today?" But the fire inspector comes once a year, and if your bike is chained there 99% of the time, odds are you're going to get a fine. He couldn't see the logic. He got fined.
I had one friend who would leave his bike chained partially blocking a fire exit, because "what are the odds the fire inspector will come today?" But the fire inspector comes once a year, and if your bike is chained there 99% of the time, odds are you're going to get a fine. He couldn't see the logic. He got fined.