I've played some Settlers of Catan myself, and it took me a while to realize what you were talking about. (If I understand correctly, you chose not to build a settlement next to a tile that produces resources when a 6 is rolled, and by chance, the settlement wouldn't have produced any resources this turn because a 6 wasn't rolled. Therefore, waiting a turn to build the settlement didn't actually hurt you, but it could have.) I see similar situations all the time when playing Magic.

Similarly, even if you do win the lottery, buying a negative expected value ticket was still a mistake.