Sometimes knowing which horse to get on or not get on takes more sense than staying on one
ever think about that one? When you have 50 plus head of horses you learn which ones to stay away from. Dunkopf you act and sound like a city person that converted to riding as an adult just as Christopher Reeves was. I will challenge you any time to horsemanship I have ridden some of the worst terrain in the West, Hells Canyon, Bitterroot Mountains, Bob Marshall Wilderness, and several other areas where calling for help on a phone was not an option. Most people and possibly you also have never left a trail or an arena and ridden barnsoured slugs and when you get on a good cutting horse you get dumped tells me you know way less than I know without seeing you ride.
Someones' attitude has no bearing on whether they should pay for someone else stupidity, did your good friends pay for yours?
I think you are confusing empathy and respect with charity. If charity is forced by another it is no longer charity. People that feel the way I do about paying for stupidity know the difference between giving something freely and forced contributions. And as far as being taught respect maybe you need a refresher and I can send you a book to read while you are laid up... to fill the gap.
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What I did was indeed stupid only because I rode the horse from a corral where I was walking it into a fenced pasture. The horse was a retired cutting horse and we have one cow that shared the corral with him usually. They were good friends. The horse was very responsive to neck reining and I nudged him up to a trot. The cow saw him and got up off the ground and started trotting. At that point the horse broke into a gallop which was ok because it's more comfortable on a quarter horse than trotting is. At the time it didn't occur to me what he was doing. So when the cow made a hard right to evade him and the horse did the same thing as he had been trained to do it caught me off guard. I was not showing off or being a hero. That isn't even in my personality. The stupid part was that I didn't realize immediately what he was doing or I would have pulled him in. I do know how to ride a horse. This was a relatively new horse and only my wife had ridden him at that point.
Everyone has accidents. I'm sure you have had a few. Everyone gets sick too. The problem is that we have a me first society. The attitude of why should I pay for someone else's stupidity because I'm so freakin perfect prevails in this country. That's one of the things that will lead to the failure of our society.
Don't bother with the pics. I don't really care where or how you were raised. By the way I put on 40k miles a year and haven't had an accident because I was taught the same thing. My parents taught me empathy and respect for other people in addition. I could send you a book if you would like to fill in the gaps.