I encounter this too. But I know that people don't listen to me, and as you mention the potential downside is quite large, so to me that all adds up to keeping

I encounter this too. But I know that people don't listen to me, and as you mention the potential downside is quite large, so to me that all adds up to keeping my big yap shut. The calculus may vary for you. I get the utilitarian ideal of "minimizing the pain down the road", but the questions are: how much can you even do to minimize that pain, and what distribution will the pain have.