But that's exactly what happens sometimes. Family was ridiculously overprotective of me and crossing roads because my sister got run over by a car. I was barely able to go out and do anything at all outside until I managed to get out of that environment because my older cousin got herself into drugs.

While this is merely anecdotal evidence, my story is not unique. The younger sibling paying dearly for the bias caretakers incurred thanks to correlation to a bad incident is far, far from a rare occurrence.