This is what happens when a character who is known for making consistently poor judgments never has to answer for them. In fact, nearly the exact opposite happens: whatever mind-numbingly stupid idea they've come up with this episode, it will work. If he sells the party's material possessions for some magic beans to give to a Nigerian prince he met over the Internet, we can rest assured that at the end of the episode, a Nigerian prince will come solve the conflict with a Deus ex Machina. The Idiot Houdini will be healthy, wealthy, and have an ample supply of True Companions even though in Real Life, anyone acting the way he does would almost certainly have died ten episodes before the series began.
Characters will sometimes notice this bizarre disparity inside a story. When they do they almost always find it a serious cause for concern, although since the Idiot Houdini lives a relatively charmed life, there's little anyone can do about it. In other cases, they may be blind to it conversely because of the character's excess of prosperity.
There's a certain amount of Truth in Television to the latter portrayal, as any rudimentary analysis of pop culture fixtures indicates that no matter how badly they screw up, some people are so famous that they'll always get a second chance.
A "loveable" example of this trope generally relies on Hanlon's Razor to gain sympathy (especially if the victims to their stupid antics are even more sympathetic).
Overlaps significantly with Born Lucky and The Fool. The character who provokes Minor Insult Meltdown is usually also this as other characters scold the meltdowner rather than the provocateur. Contrast Too Dumb to Live, where a character does not escape the consequences of their stupidity, but instead pays the ultimate price. Compare and contrast Karma Houdini, where the lack of consequences is for immorality rather than stupidity. Also compare Elimination Houdini, for when this happens in a Reality TV show.
