But so many people don’t take advantage of those times when they can easily take risks. And I think it’s because they magnify the downside in their minds—they think of the absolutely worst-case scenario, like homelessness, even if that scenario is not remotely realistic. As a result of that kind of fearful thinking, they don’t recognize the asymmetry in the risk they are facing: In their minds, it’s as if disastrous failure is as likely as any kind of success.
