To make good decisions, you must be a good steward of risk.
That’s right. It’s your fault that giant spider is living in your home. Do you know why? Because that means you have enough other bugs there for that giant spider to live the fat life.
Well, it’s not exactly your fault. But you certainly contributed to creating a friendly environment for that spider. You wanted a roof over your head? Well, so did that spider (and, more importantly, everything it’s been eating).