The bull market has been rampant in the past 10 years that our wealth gets accelerated function exponentially. This leads us to think that wealth can only move in one direction and it leads to that much easier to achieve financial independence by pro-rating your financial model accordingly. The risk is decluttered as one grows a sense of safety net thinking their model works that no one else could ever think of in the past. Let's illustrate it with the 3 examples. Toto Lottery   This is a lottery system that's being rigged openly by the government with the odds going against the favor of the buyer. Despite knowing the odds, there are queues everywhere for dreamers to struck that once in a lifetime deal, provided they are extremely lucky. The smart person who thinks the bull market favor the system anyway decide to take the "premium" and pocket the money. ......