> - You don't have a resilient financial and mental safety net in the form of good friends/family early in your career that enables you to take risks, or you go

> - You don't have a resilient financial and mental safety net in the form of good friends/family early in your career that enables you to take risks, or you got dealt a bad hand in the form of things like dependents or health issues and simply can't afford to take risks The 'friends' part is something that I think can be potentially fixed. 'Friends' who can truly support you AND who are worthy of being supported in times of need are rare. But I think if one searches hard enough and find reasonable people to from an alliance with (without necessarily being friends) this problem can reduced. But it is needle in a hay stack endeavor. Most people in my observation are not worthy of receiving help ( for example they do not save enough money when they earn, so cannot be trusted to have the financial disciple to pay back) or conversely they are not in a position to help ( to cite the same example because they have not been saving enough money, they don't have enough money to lend to you).