Characters in dangerous circumstances don’t follow their instinct to make logical safety precautions their number 1 priority.
Wether it is leaving guns lying around instead of keeping them on their body at all times, not reloading a guns magazine when they have a chance (it is more of a thing in the books but Reacher drives me nuts with this, he will pick up two guns and literally pick the one with the smaller mag that he already half emptied because he "knows that it works" MY BROTHER IN CHRIST LOAD THE BIGGER MAG INTO IT THEN), not making sure someone is dead, not just shooting the guy when given the chance, having conversations in places / moments where they shouldn’t, stubbornly refusing to listen to the more qualified person…
It’s basically the opposite of plot armor where heroes constantly take stupid or unnecessary risks or just turn into clumsy idiots because the plot needs them to be captured, hurt or killed.