> "we know that this will happen, for sure, one out of X times, no matter how well we may prepare, and it will most likely sink the ship". X may be rather large, but the point is it could be prepared against, but it's not.

The cost of "prepared against" matters as does the value of X.

Some risks are worth protecting against while others aren't. While the right answer for a given risk may change over time, the latter group is never empty.

Of course, you may value your safety differently than the folks making that call for ships. If so, ....