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There are risk takers and there are risk takers. Yesterday I met a risk taker. Or, I should say, I came close to meeting a risk taker. She was driving a black pickup truck. She thought she could pass safely with a blind hill ahead. She was right. She could pass safely, but only because I stood on my brakes when I came over the blind hill right at her. Her risk was not just hers but mine as well. Such risk takers are the ones we might deem undesirable.

I met another risk taker last week. She was "shopping" at WalMart. She removed some items from the shelf in one section,…