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If it would be prudent to protect yourself (guards, defenses, etc) and if you feel you have to act carefully, then you are in danger. OTOH, if you would feel comfortable going to sleep or deciding not to be aware, then you probably are not.
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And that's why what you're talking about is only the perception of danger and not danger in and of itself. *sigh* Nevermind, back on topic.
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Also you can buy luck for money at least in most fantasy settings (Tyche elixers).
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How much does one of these elixers cost? I'd think it would be pretty expensive, though I don't have my books with me to check.