If a person obtains his livelihood through other individuals, he transfers his trust to them and comes to rely on them. But when his intellect matures, and he sees their deficiencies and their need for the Creator, May He be exalted; he transfers his trust to Him and relies on Him in matters beyond his control and in which he has no alternative but to surrender to the Divine decree, e.g., rainfall on sown fields, sailing the seas crossing parched deserts, sudden floods, the outbreak of pestilence among living creatures and similar matters in which man is totally without devices. pg 467/469
If one is unsure if he needs to say the ha-gomel blessing, there is no minyan; a father for a minor; a woman who is embarrassed to recite the blessing in public has two options: 1. Recite the blessing without H'shem's name. Baruch atah ha-gomel 2. He can have the intent to fulfill this mitzvah when reciting the morning blessing of ha-gomel chasadim tovim l'amo Yisrale. He should preferably say it out loud in front of ten men, including two Torah scholars. If he wishes, he can add at the end of the text the words "shegemalani (kol) tov"