If you're toward the beginning of your riding career, you may not necessarily have spent a lot of time thinking about what happens if the worst happens. And, I mean, understandably so; you're probably just so excited to get out and go for a ride that you're only (or at least mostly) thinking positive.
Those of us who've been riding for a while we've been there. And there's nothing wrong with it; after all, in so many situations, you don't know what you don't know, and far be it from me always to criticize someone for the perceived sin (she said, sarcastically) of still having things to learn.
Because frankly, we could all stand to be a little more humble and open to learning things we don't know yet.