In this case, I'm referring to a specific encounter on a other world card. It states: "You find yourself in an ancient and abandoned temple. Pass a Luck (-1) check to find a golden statue worth $10. However, if you take it, you are Cursed."
Do you have to do the Luck check and if you pass, do you have to take the statue and therefore have to get cursed? Or can you choose not to take the statue?