Try not to control EVERYTHING. Life is much too short to be angry & annoyed all the time. Did you miss your bus? No worries, there will be another one. ATMs out of money? Great! Take an unplanned road trip over to the next town and explore. Sometimes freakouts happen regardless.
No one ever thinks they’ll get sick, injured, or robbed while traveling. But it happens. I’ve sliced up my head on a volcano, contracted Dengue fever, and lost my laptop to thieves. With travel insurance you don’t have to worry about huge hospital bills or stolen gear when it eventually happens.