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Because Risk is risky. Even brilliant professional investors have deals which go bad. Passing a test does not remove the bankrupcy problem.



Having a lot of money does not remove the bankruptcy problem. Having a family and/or friend support system does. Maybe if you can get four people who will vouch to let you sleep at their place while you recover from bankruptcy would be a better test?

Also, as said elsewhere, society now seems to let people risk big money gambling at casinos when the expected return is always negative.




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