Is it normal that in my world there's this black box?

So, in my world there's this theory. Every boat possesses an imaginary black box, a sort of bank account in which points are kept. In times of emergency, when there is nothing more to be done in the way of sensible seamanship, the points from your black box can buy your way out of trouble. You have no control over how the points are spent, of course; they withdraw themselves when the time is appropriate. You do have control over how the points get into the box: you earn them. For every seaman like act you perform, you get a point in the black box. Points come in so many ways it would be impossible to list them all. But I can send you in the right direction. Let's say you're planning a weekend cruise down the coast, and time is precious. You have been wondering for some weeks if you ought to haul out the bosun's chair and inspect the masthead fittings. It has been a couple of years since you checked everything up there, but it would mean delaying your departure by an hour, maybe more, should you have to change a shackle or something.

If you finally give in to the nagging voice inside you and go aloft, you earn a point in the box. If you don't take that trouble, your black box will stay empty. If you sniff the bilges for fumes before pushing the starter button, you'll score a point, just as you will for taking a precautionary reef at nightfall or checking the expiration date on your rocket flares. Thinking and worrying about what could happen is also a good way to earn points - if the wind started blowing into your quiet anchorage at 40 miles an hour and the engine wouldn't start, or whether you should put a couple of reefs in the mainsail before you climb into your bunk, just in case.

No matter how good your seamanship, there are times when there is nothing left to do but batten down the hatches and pray. If you have a credit balance of points in the box, you'll be all right. People will say you're lucky, of course. They'll say a benign fate let you get away with it. But we know better. That luck was earned, maybe over quite a long period.

Not that there's any room for complacency. If an emergency drains all the points from your black box, you must immediately set about replacing them by tending to your boat, your crew, and yourself in a seaman like way and by practicing extra caution for as long as seems right.

It may seem unfair that you cannot check your credit balance in the black box, but it's just as well. If I knew I had sufficient points to get me through a weekend, I might not bother to go up the mast before setting out. Not knowing keeps us on our toes.

In practice, however, your conscience will be a good guide. Have you put off changing the engine oil for the umpteenth time? Does the port navigation light still need a new bulb? Be careful. You may be running low on points.
Could you use a black box of your own?