"Every account is at risk until proven otherwise. The principle teaches us that until you have evidence they're not at risk, you should treat them as if they are at risk. What you should be doing is go and engage everybody, confirm they're doing okay, and then you can de-prioritize accordingly."
Why it matters
The opposite default - "assume customers are fine unless they complain" - surfaces churn signals too late to intervene. Risk-by-default forces proactive engagement and catches the silent-but-failing customer who'd otherwise just not renew.