You've reminded me of the forest fire simulator[0], there's a potential second dynamic how reducing the occurrence of negative events might also increase their impact when they do eventually occur

Reduce lightning strikes and increase rate of tree growth, no idea if it applies here as much?

Black swan[1] talks about this and the housing crisis was a significant event, but you can make an argument against this position as well

-[0]: https://www.veritasium.com/simulation5

-[1]: https://en.wikipedia.org/wiki/The_Black_Swan:_The_Impact_of_...