If one takes a very mechanical world-view, then yes, you could say that those properties are a signal of failure. Failure to plan, keep a job, save money, etc.

If one takes a very mechanical world-view, then yes, you could say that those properties are a signal of failure. Failure to plan, keep a job, save money, etc. Being very risk-averse myself, I would constitute all of the above under normal situations to be a failing on my part. Abnormal circumstances obviously change the dynamic a bit as they're almost always unavoidable. E.g. natural disasters, war, large-scale riots, etc.