"I think the most important question facing humanity is, 'Is the universe a friendly place?' This is the first and most basic question all people must answer for themselves." - Albert Einstein (read the story here)

Do you think the universe is a friendly place? Do you think those other drivers are out to hit your car, or was it just an accident? Is every mortgage guy gonna try and rip you off, or are those types the exception and not the rule?

Now I'm not saying you should cancel all your insurance plans and walk blindly into every contract. Instead, maybe you should consider trusting first, and asking questions later. Trust in yourself - trust that you can spot a bad idea and move to correct it before it becomes a big problem. And trust in others - that they are just like you, and trying to get through this life as happy and fulfilled as they can.

Besides, worrying about one thing too much only makes you blind to the bigger issue. Sure that song may be annoying, but wait until you're at a red light or pull over before fiddling with the radio, k?