I guess you would call it an adventure?

noun misadventure plural noun misadventures
an unfortunate incident; a mishap.
accident problem difficulty misfortune mishap setback reversal (of fortune) stroke of bad luck blow contretemps failure disaster tragedy calamity woe trial tribulation catastrophe

Chose the words you like.  The fact remains that personal attention to potential misfortune helps in prevention.  Is that so hard to understand?