Here is the unspoken truth about the crash of Germanwings Flight 9525 last week: it demonstrates the most difficult choices in risk management that businesses, policymakers, and society ever have to make.

In fact, the crash itself is not the problem confronting us; the crash and its awful loss of 150 lives are merely the consequence of the problem. The real problem is how we handle people like Andreas Lubitz, the troubled co-pilot who deliberately crashed the plane and killed all those people—how we identify and handle human beings who might potentially cause enormous damage to other innocent lives.