Oooh. That's a more direct assumption. Let's scrutinize this:

"if you keep running into unexpected failure modes, you are not doing your homework."

Do you agree with any of the following, if so, which ones:

1. There is a limit to the amount of problem-solving effort that life demands of people.
2. People are always able to predict which problems they're going to have in advance.
3. There is a limit to the complexity of problems and it happens to match human limitations.
4. Diligent people are in some way protected from other people's problems spilling over onto them.
5. That expecting a problem will automatically guarantee it gets solved (that the resources will always be available, that multiple other problems won't rob you of the necessities to solve upcoming disasters in advance).

If you disagree with even one of those statements, why do you assume that if a person is presented with multiple quagmires, they didn't do their homework? This is reality and reality doesn't care about you. Life may give you problems more complex than you can figure out, other people's problems will create problems for you, sometimes life gives you more problems than you can process at once, nobody sees everything coming, and even when you do see something coming, nothing guarantees you'll have the resources to stop it.

If you know all of this, why do you say such things?