Hardly. People do "risk vs reward" assessments all the time. Balancing "use some savings to live off ramen for two years" vs "implement something people will p

Hardly. People do "risk vs reward" assessments all the time. Balancing "use some savings to live off ramen for two years" vs "implement something people will pay for" might not be very difficult, depending on their existing rate of savings, income, state of mortgage, monthly expenses, etc.