You certainly make some interesting points @chbartist, but perhaps a better answer is to seek a form of balance.

Having lived at the edge of financial ruin for many many years, I can say that it is also a very stressful place to be; you don't ever have even five minutes to relax, because you are eternally watching for the next "bullet" you have to dodge. My point being that when you have NO safety net, you live not at a place that gives you much opportunity, but more a reactive place where most of your focus is simply on avoiding disaster.

Now, it should also be said that different people have different personalities. Some people thrive under stress and conflict, while others collapse into a breakdown under such conditions for a long time.

Interesting thoughts, all the same!

=^..^=