In his theory of Cognitive development, Jean Piaget proposed that humans progress through four developmental stages: the sensorimotor, preoperational, concrete operational and formal operational period.
Risks can accumulate over time through exposure to different things over life which is a normal part of life generally. People who do a lot of crazy things are people who are more prone to having different kinds of risks being brought upon them. If you're working as a construction, it's more likely with time that you will suffer from some sort of work-related accident than someone who works in an office all day long.
C) by changing tampons frequently