Why - How - does something like this situation happen to disrupt our lives …
There are a handful of people on the planet who invite very-high-risk situations into their lives and live with it. Including a series of injuries. It’s a recognized psychological condition. But they look and act like anyone else, so there is no way to know except by their behavior.
There isn’t much study about this, because few of them ever seek or want treatment, and treatment protocols are what spark study. Some may learn from consequences to modify their risk-taking somewhat, but there are those that don’t.
The lady in the Buck movie and this lady boarder both reflect this pattern. In both cases, they developed the hazardous situation themselves. And knew it while they did it. Regardless of the excuses they gave out continuously. The lady in the movie was never going to euth her dangerous horse, because having the dangerous horse - and her whole dangerous situation - was/is part of her identity. But she got a drama fix out of talking about euth!
This boarder is on the same track, including the emotional drama communications. “Consent training”, for example, which is clearly bullshit, animals can’t understand the principal.
In addition to the physical danger to other people, being emotionally connected to someone like this, even as just a friend, is endless fear for them (and yourself) and frustration that the risk never changes. No matter what endless discussions and apparent agreements are had.
Anyway. The point is that if one of these rare personalities enters one’s life circle - run. Stay away, keep them away. Far away. They are a hazard to others as well as themselves. Regardless of the endless interactions they enjoy about their dire situation, whatever it is at the time.
It is very unfortunate when someone like this moves into one’s orbit, uninvited, because of the likely necessity of turning one’s own life over to get away. But if the risk-taker can’t be removed (far away & not coming back), anyone who is in the circle of danger does need to get away themselves in the interests of self-preservation. It is very real. And it can sadly mean significant life changes to do so.