If you run into traffic and get hit by a car, the conversation is about that, not "under thinking" because the impact is painful and obvious.
However, it's more subtle for someone to notice that it takes you 30 minutes to cross the street because you're way too cautious, and the impact of that ("you could be doing a lot more with your life than standing here") is less obvious.
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I think that's exactly right.
If you run into traffic and get hit by a car, the conversation is about that, not "under thinking" because the impact is painful and obvious.
However, it's more subtle for someone to notice that it takes you 30 minutes to cross the street because you're way too cautious, and the impact of that ("you could be doing a lot more with your life than standing here") is less obvious.