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> It's just that he could have made so much more, vast amounts more, if he'd taken a bit of risk.

Someone down the street where I used to live won the lottery, it was just a bit of risk. I'll never win the lottery because I'm not that kind of person.

Instead I very slowly year by year move forward. Invariably when I do take risks I either lose big time or I move forward a bit, on the whole that seems to work out to a slight net positive but it hasn't been a real game changer for me.

Patrick seems to prefer 'monotonic upwards' instead of 'rollercoaster', and that's his privilege.

He might have made so much more, or he could have lost it all, who is there to know for sure.

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