Agency and structure matter for how you act but also for what future events you imagine or can’t imagine.  Lets look at reflective agency - when you consider scenarios that could happen, you do so based on your current position and the information available to you at the time which lead you to consider different alternatives and contingency plans.  Pre-reflective agency driven by past experiences, will lead you to take for granted that some aspects of reality will be as they have been in the past – leaving you in the dark about the future.