If I cover you for all of your mistakes, then you will likely assume more risk than is optimal for both of us.
Risk is a commodity whose potential downside is often shared.
For example, if bank owners are not made to cover at least part of the cost in covering consumer deposits, then the general public will necessarily assume more risk than is socially optimal. Bank managers will tend to act carelessly, because they are not compelled to pay for the potential losses to consumers in the event of bank failure. It could be you are exposing yourself to way too much risk. Learn how to use risk management like the pros.