John Gill Commentary Proverbs 22:3

"A prudent man seeth the evil, and hideth himself; But the simple pass on, and suffer for it." — Proverbs 22:3 (ASV)

A prudent [man] foresees the evil, and hides himself

A wise man, whose eyes are in his head, who looks about him and before him, and is cautious and careful of his conduct and behaviour; he foresees the evil of sin he is liable to be drawn into by such and such company, snares, and temptations; and therefore he keeps from them, and abstains from all appearance of evil, or what would lead him to it; and he foresees the evil of punishment, or the judgments of God that are coming on for sin; and he betakes himself to the Lord, to those hiding places and chambers of retreat and protection he has provided for his people, till the indignation be overpast; see (Isaiah 26:20) ;

but the simple pass on, and are punished :

Foolish persons, devoid of the grace of God and the fear of him, go on careless and unconcerned in their sinful course of life, transgressing the law of God; they proceed from evil to evil, from lesser to greater sins; they go on in the broad road to destruction, and are punished with temporal judgments here, and with everlasting destruction hereafter.