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He who doesn't plan is indeed planning to fail. Just jumping into things without preparation is risky, this is one of the reasons why some people fail. They didn't plan and suddenly the event came on them.
The truth is planning is difficult just like you stated, and whether we like it or not, there are days we would do things without planning, but it shouldn't be a habit.
You get the real point ... Not planning can chip in but shouldn't be a habit (I love that choice of word)