It seems that your claim is that “this is how it should be” and also “this is how it is/has been” - not sure if you are referring to a specific region, considering the parent comment, but assuming you mean the tech industry in general, this seems patently false.
This is not a description of how talented, or smart, or “good at something” someone is. You are describing how risk-averse someone is, as well as how able to survive failure. The latter is slightly different from the former, although related. Someone not able to survive failure at all (due to having no savings, for example, or perhaps someone who has high monthly fixed costs) ought to have a low tolerance for risk, but they might still have a lower threshold for what they consider risky relative to someone else.
I’ve met plenty of talented/smart/etc people in each of these groups, and also plenty of the opposite. To be fair, my experience is anecdotal and biased, although I would reasonably expect such a pattern to continue.
This is not a description of how talented, or smart, or “good at something” someone is. You are describing how risk-averse someone is, as well as how able to survive failure. The latter is slightly different from the former, although related. Someone not able to survive failure at all (due to having no savings, for example, or perhaps someone who has high monthly fixed costs) ought to have a low tolerance for risk, but they might still have a lower threshold for what they consider risky relative to someone else.
I’ve met plenty of talented/smart/etc people in each of these groups, and also plenty of the opposite. To be fair, my experience is anecdotal and biased, although I would reasonably expect such a pattern to continue.