Point #3 doesn't seem consistent with the idea that this is just a "stay in your lane" attitude. "Lurk before you leap" might be a better phrase. You've got to

Point #3 doesn't seem consistent with the idea that this is just a "stay in your lane" attitude. "Lurk before you leap" might be a better phrase. You've got to do at least a little homework before you can understand a technical topic well enough to make sense of what you're reading. I am less familiar with finance, but I see this all the time when HN discusses legal matters. The conversation is almost pure noise, because it's dominated by people who have so little knowledge of the topic in question that they don't even recognize a term of art when they're seeing one. Which, in turn, engenders fundamental misunderstandings, and so the whole conversation ends up being a sort of large-scale trainer battle at the gym that specializes in strawman-type Pokémon. Imagine if a discussion of programming were dominated by non-programmers who are seemingly willfully ignorant that, in the context, the word "functional" does not mean "designed to be practical and useful, rather than attractive."