Son, opportunity is a scarce thing. People are prosperous and rich because of opportunity. Look at those poor people and you will know that they are not incompetent or stupid neither are they not hard-working. They are deprived from opportunities. You need to know that we live in a jungle where the weak are prey to the strong, where you either eat people or risk being eaten by someone else. Evading risk is almost a guarantee of bankruptcy; but when you take advantage of the opportunity, you are depriving others of the opportunity just to guarantee yourself.