If you want to take part in unnecessarily risky and downright stupid activities, don't be surprised when you must deal with the consequences. To blindly dive in for a momentary rush or because you've got a Superman syndrome working is a fool's game.
Let somebody else stick their hand out when those sharks appear. Life is much easier when you're not working through challenges with missing body parts. Duh!
Don't be that guy or that gal they talk about for the wrong reasons. Take care of yourself and leave the feeding of hungry predators to others with less wisdom than you.