For what it's worth I kind of disagree based on personal experience. I'm quickly nearing the age of 40 and never had a real job. Being poor combined with the fe

For what it's worth I kind of disagree based on personal experience. I'm quickly nearing the age of 40 and never had a real job. Being poor combined with the fear of failure has always been a great motivator for both productivity and creativity. A lack of responsibility does more to make it easier to take risks than does having money. It's pretty easy for a single healthy person to earn enough money to survive if it all goes wrong. It's a lot harder if that person has other people depending on them for survival. But surely if one has family to look after money is a requirement to take that kind of risk.