Thank you for your responses, everyone.
To do correct risk assessment just to make it through everyday life, though, it seems like a person needs professional-level training in at least the following subjects:
Medicine
Nutrition
Mechanical Engineering
Business
Law
Criminal Justice
Negotiation
...and probably more
Or you can take the Law of Attraction/Huna/prayer approach: "bless the present, trust yourself, expect the best"
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