I hear people bragging about it all the time. "I've never been fired from a job! I've never been arrested! I've got great credit", etc. Well, I actually have good credit, but its had its downs over the years. I've certainly been arrested and I've been fired from four different jobs in my lifetime. The point is having great credit, never having been arrested, and never having been fired could be signs of great discipline, commitment, and maturity on your part, but probably just as much, if not more, having all of those "accomplishments" means you are someone who has never really taken any risks for anything beyond your personal comfort and advancement. It doesn't have to mean that, but I would argue that in most cases, it probably does mean that.
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