Truth be told I never have in my two relationships but in the future I will. I know what its like to be left alone (against both her and I willl) or because she wanted to break up over foolishness.So you keep just in case girls? That's just expecting the relationship to fail...
You dont buy shares in an ETF or stock expecting them to go down. But you hedge and diversify no matter how much you believe in the company because anything can happen.
Portfolio management 101