Having a good insurance policy might be a subtle encouragement to eat junk food and not exercise. ( “I am protected by hospital cover, might as well I should use my insurance”)
Having a good job now might be an excuse to not to learn new skills. ( “I made it, I can now settle”)
Having a few years of success can make one trust his/her instincts more, and not to listen to others.
Protection makes us stable in the short term, vulnerable on the long run. We should renew our protection.