You wouldn’t have sex without a condom, I hope.
It’s too scary, imagining having a child as a college student, what with the cost, the responsibility, the time, the shame, and the sudden, terrifying call to adulthood. No, using even your worst judgement you’d put a condom on.
And yet you’re glad to walk around with no money in your savings account, so that even the slightest financial dilemma sends you running to your parents.
Fewer differences exist between these scenarios than you think.