There are many more choices for the capital worker. They have to judge every transaction they make. For example they ought to check whether the companies they i

There are many more choices for the capital worker. They have to judge every transaction they make. For example they ought to check whether the companies they invest in are diligent about back-ups, because that's a cause for losing the whole investment. They have to choose whether they'd rather invest in start-ups or grown companies, and if in startups, they have to gather enough info that the startup has good chances of succeeding. In your example, it sounds like we take the job and location as a constant. If they guy can't choose a profession that has good chances of surviving throughout the years, he'd be really bad as an investor.