You've said it all; nothing but the truth. In reality I like to consider worst outcomes. I do this because humans, we're fallible, sometimes it's not 100% our fault, some people just find it difficult to discipline themselves. Some people easily give in to their excesses, rather than train their minds to choose loyalty over disloyalty. I see this from afar most times, and I already know. I wasn't like this in the past, but series of past painful experiences have made it so.