Because the one carried an umbrella and walked as if it was not raining, the rain soaked him. Because the second one walked on the muddy road with his crutches as if the road was not treacherous, he fell all the time. The third had nothing with him, so he was careful – he tried to avoid the rain; he trod down the muddy road carefully, so nothing bad happened to him.
Moral of the story:
Most of the time, people do not fail because they have nothing, but they fail because they are too confident in what they have.