As in many things in life, the sweet spot is somewhere in the middle and not at the extreme ends. People need enough risk of negative consequences to encourage

As in many things in life, the sweet spot is somewhere in the middle and not at the extreme ends. People need enough risk of negative consequences to encourage them to make wise decisions. But they also need enough security (especially in things outside of their control) in order to be able to prioritize long-term goals over short-term ones.