I would propose a more measured approach to this subject. To (mis)quote Jesus, "let he who has never done anything stupid in his life cast the first (metaphorical) stone". There certainly are people who do stupid things all the time, but there also are people who do stupid things relatively rarely, and those things can still have costly consequences. For instance, I once totaled a car because I trusted that another stupid person who was signaling a right turn would actually turn right (fortunately nobody was hurt, but my car was wrecked). I felt really stupid for months after that...