I would suggest that 20 years ago life was far more affordable for the average person, such that it was more conducive to risk taking for personal gain. Today,

I would suggest that 20 years ago life was far more affordable for the average person, such that it was more conducive to risk taking for personal gain. Today, everything is so damn expensive (housing being the most obvious, but really everything) that taking a few years out of your life to try to start a business feels like a massively riskier proposition in that those are years you’d otherwise be making money to ideally save for a house down payment which keeps getting farther and farther away even while working (in some areas of the GTA, house prices were increasing on average by $80k/month).