Pushing into the danger zone leaves you open to getting hurt. Enough doing that, and eventually you will. Avoiding pain and avoiding risk is avoiding life.
Some are just handed everything they need yet still fail. I started out in life with advantages, although didn't realise it at the time. Went through a series of dead end jobs, a failed business, a few failed relationships, ended up on the street.
My real luck came along when someone gave me a chance to get back on my feet and start afresh with the benefit of all that experience and the knowledge of what can happen. I realised that, previously, I was just unmotivated to do what was necessary to achieve anything in life, I was coasting along and not really trying.
I do OK now, I work hard and make sacrifices, don't waste money and invest all my spare income. Not exactly rocket science, I just wish I had started sooner.