Pessimism would be the term. A pessimist often focuses on the most dangerous or bad outcomes in life, letting it cloud their happiness and judgement occasionally(being a mindset/lifestyle and all).
If someone has a near death. Experience they may want to lead their life into devotion into a god or philosophy or just want to live their life. Or if they had a good childhood and were raised well they might become a lawful citizen
False, it also affects family and friends