Suppose there is only one chance in a hundred that an electrical short would start a fire in your house in the middle of the night. This is highly unlikely, but just to be on the safe side, you have installed smoke detectors.
Suppose there is only one chance in a hundred that your child will fall off her bicycle and hit her head on the pavement. This is highly unlikely, but just to be on the safe side, you insist that she wears a helmet that meets federal safety standards.
Suppose you had a bit too much to drink at your holiday party. Maybe there’s only one chance in a hundred that you will be pulled over for DUI, but even in your impaired state you are intelligent enough to find alternate transportation to get home.
You get the picture. There are risks in life. Some are more likely to occur than others, but a prudent person takes action to mitigate even the most unlikely risks. We can’t mitigate every risk, but we do spend the time and money to try to avoid those that have the gravest consequences.