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When rewards go up, people are more inclined to take risks.
I have more concerns about potential risks and vulnerabilities than most people.
People who are privileged can take more risks because of that safety shield that privilege provides.
In social policy, when we provide a safety net, it should be designed to help people take more entrepreneurial risks, not to turn them into dependents. This doesn't mean that we should be callous to the underprivileged.