> Then it is not true a risk.

It doesn't feel like it when you're taking the risk. The older I get, the luckier I realize I am to have grown up in such a safe environment, to have gone to good public schools, and to live in such a developed society

It's risk of a person's time, which is obviously a finite resource for each of us.

Those with less privilege typically need to spend that time addressing immediate financial imperatives rather than focusing on delayed financial or academic rewards.

Doesn't that still make it a lower risk since for the poorer person, there is less available time (assuming priority is giving to addressing the financial situation & providing basic needs) ?