Sorry you found that insulting - wasn't my intention at all. It was a generalization I used to make a point, but would take an entire separate post to unpack, so I didn't do it justice. I agree with you completely.
Thanks for the comment - appreciate it and thanks for reading. I qualify that point with the following paragraph:
"When you look at the decision tree from that perspective, it seems not so bad: failure is always the same, a zero, while the return (however you define it: monetary, happiness, utility, etc.) is astronomical, and worth it."