I tend to be a cautious person. I attribute it to my parents' commen sense and my heritage. Paranoia is not what I let rule my life; I do take calculated risks for fun or financial gain for instance, but there are some risks that are just plain stupid. So I take measures to prevent from taking unnecessary risks... and I advise friends on how to avoid them as well.
For instance, I always make sure I am covered by health insurance, renter's or homeowner's insurance, and I back up my computer hard drives often, hotsynch my PDA on two computers, always make copies of documents before I send them. I even keep my negatives in a different location than my photographs. I even park far away from other cars to prevent dings. I always wear seatbelts, even when I'm seated in the rear seat. I never smoke. I always keep a portion of my 401K in bonds and I don't overinvest in my employer's stock.
What am I getting at? Well, when people like me tell friends to do smart cautious things, many of them just ignore us. Then, if something happens that makes them pay for not having listened to in the first place, we're put in a position where we can say nothing. Saying "I told you so" isn't good. It's not supportive and accomplishes nothing in the near term. We can remind them later, but chances are that they won't listen again and the damage has likely already been done.
If non-cautious people would just listen to their cautious friends, it would make our lives, (and possibly the non-cautious ones at some point), much easier.