Risk is something often thought of as chance of bad thing happening and people associate high risk, high reward and the inverse as well as the contrapositive. People also don't manage risk well, they tend to have beliefs that wildly destroys their own sense of risk calculation. If you ask me the NPCs, the "go with the flow" types tend to be the low risk low reward or high risk low rewards types, I might even add negative reward. If you are dumb enough to put your full trust in other people who haven't been reliable then yes, you are that low risk, negative reward type of person.
Say if people are looking to deceive you to gain an advantage why would you put full trust into anyone. Many people did that during the stock market uproar of 2020-2022 and most lost money. Placing faith in people you've no clue of as well as not considering what advantages they gain by getting you into their sphere is all sorts of dumb. Do people like this ever come to ask themselves why these people need me to chip in and how money is gained in a market? Money is finite, so someone has to lose in order for you to gain. The bigger fool, the last to leave is the one who loses in a financial market. You can't exit if you are the last to leave, doh!
We can come to the idea of information asymmetry in the markets being a factor in who stays and who leaves. The same asymmetry that could be the deciding factor in an election or say a criminal court case. Who has the most reliable, factual and material information can be decisive for the ultimate risk calculation therefore the deciding factor for decision making.
Some people even when offered such information still do the stupid, stressful, expensive thing because they love the punishment. An NPC who desires punishment one who has a skewed sense of high risk, negative reward. Others fools like to try to twist information to push negative rewards into the future in hopes they can mitigate negative rewards especially when negative reward compounds. I swear it must be a TV or psycho thing because that's not how life works.
Compounding negative reward is never desirable and many poor people do it anyway. The lottery of life sucks, most are going to lose in this structure, it's best to manage risk by doing your best especially when afforded opportunities to do so. People wonder why their cars get 'repo-ed' without their knowledge or why a car dealer or creditor will lie to them about how to deal with their unpaid vehicle. That's because they've dealt with people like you before. Irresponsible, uncaring and unwilling to engage, no sense of risk management so therefore as a terrible market participant you cannot be trusted. Even if it costs them more, they will desire to remove you from the pool because a functioning market requires trusted participants not those who desire to be treated like trash. The same trash that want to take advantage of a trusted market for their own gain they certainly wouldn't want to be in a distrusted market. F**king parasites deserve to be stomped out of the market.
If you aren't doing any risk management or you have a drunk's sense of risk management especially with finances, you are going to lose. Badly. If you are going to manage risk, you better do it properly with multiple variables and the future in mind.