There is a thin line between Naive, Cynical or Courageous.
With no experience we are naive. With unfavourable experience we can become cynical. Courage is what makes us take chance again.
Courage is the key factor in life. Naive people are those who have no idea how to fulfil their potential, until they experience it themselves. Cynics are those who might have had some unpleasant experiences so far that makes them lose faith on humanity completely! They won't take any chances at all. Courageous people are those who would take risks and give life a shot, despite their Naivety or Cynicism! These people may fail at times but they will try again and succeed eventually!
Naive people Naivety is what makes us take chances.