[danans]

> the people who are in a position to take advantage of it (preparation)

In a great many cases this boils down to already having enough money to survive a failure in a condition that you can get up to hustle again.

If you are supporting a family, the size of that financial backstop needs to be bigger. For every story of person X who bet their family's security and ended up a big financial success, there are far more who ended up in the negative.