I honestly don't know how I will think in 20 years - that obviously depends on what will happen between now and then. What I'm trying to say is that as people

I honestly don't know how I will think in 20 years - that obviously depends on what will happen between now and then. What I'm trying to say is that as people get older and have a family to support, they might get more risk averse, and begin to prefer safer options (which likely involve less freedom and opportunity). The cost of failure then is much higher than the cost of failure now.