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Driving is not necessarily a good example for your point because if people actually focused on behaving remarkably behind the wheel (that would be the "constricting way to live a life"), road accidents would be much less frequent than they are today (which is already way less than 0.01% fortunately).

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In reply to both of the comments above, okay, perhaps my driving example wasn't the best. It was the first thing that came to mind, but I think my underlying point remains valid and applies to many other choices that one could commonly make in a life that isn't completely sheltered which nonetheless carry certain catastrophic long-tail risks. Life is by default risky, and all the more so if one lives it with some sense of adventure. this twirls all the way down into a whole series of sub-decisions that you could make inside a single larger decision. To worry too much about catastrophic long-tail risks throughout is a recipe for worrying far too much sometimes.

The problem is that you can decide to pay a lot of attention and drive safely, and still can get hit by a car.

Or even just walking: you could get hit by a car, or get robbed

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