It doesn't really matter if the actual occurrence is vanishingly small, what matters is the differential between the consequence of buying the wetsuit and havin

It doesn't really matter if the actual occurrence is vanishingly small, what matters is the differential between the consequence of buying the wetsuit and having a shark pass you over (a small number of dollars, hundreds at most), and losing a limb in a shark attack (natural limbs are irreplaceable, prostheses and medical costs will be in the tens of thousands of dollars). That seems like it would make sense for anyone who spends a non-trivial amount of time in the ocean. Most peoples' houses don't burn down, but most people still buy fire insurance.