I'm postulating that "bad luck" is mostly poor decisioning, with say 30% of black swan type events in humans. Paralleling Nassim Taleb's concept of protecting

I'm postulating that "bad luck" is mostly poor decisioning, with say 30% of black swan type events in humans. Paralleling Nassim Taleb's concept of protecting against downside tail risks is of utmost important. Are there ways to protect downside risk in the other areas of life? A former, more judgemental version of me, used to be highly critical of illogical decisions individuals make. I tend to lack the "feeling / in the moment" aspect that a larger group of humans possess and naturally run everything through the 'thinking, logical, multiple permutation outcomes of a decision'. I used to see consistent decisions impacting people's lives as streams of "I feels" decisions that were suboptimal, and led to poor outcomes - masked as bad luck. (examples abound).