<p>The irony is that there is a very large percentage of students coming out of top private high schools/top private colleges and who have had exposure to wealth most of their lives who ARE NOT good risk takers. Much of their training and education and environment teaches them about risk management and professional status in industries like investment banking, law, medicine, etc. But the truly big money is made by the entrepreneur who exploits a market opportunity and then extends it on a very large scale. Frankly, one of my pet peeves with students coming from private high school school environments (and often from private elite universities) is that they don’t have enough of an entrepreneurial nature. The student from ABC Ivy League college is not likely to be the one starting that drywall business. More commonly, I have seen that it is the XYZ State U student who is willing to take that risk.</p>