can honestly say I have never had a mishap when shooting that was going to cost me money or damage or hit a live thing.... guess my father put the fear of GOD in me as child about knowing your target, what is beyond your target, never taking questionable shots even in fun...and the risk of an errant shot going where you thought it not possible.
other than hitting the fence behind my target...or hitting a landscape light with a pulled shot...they are all in direction and impact things that have no real value or loss if damaged. Been shooting about 25 years with bow....40 years with firearms.