What's lacking is is a call for diversification. Along with that pile of cash you should also have money making enterprises. If you have one without the other

What's lacking is is a call for diversification. Along with that pile of cash you should also have money making enterprises. If you have one without the other, the risks are higher for a complete loss. Money can rot like potatoes but if you keep the farm running you could also end up with a failed farm when you're too old to fix it and no saved potatoes in your basement to sustain you.