Russia in the 90s, right after the collapse of the Soviet Union, was arguably as dangerous and poor as some African countries. My family was never rich, and I left home early, changing careers, places of residence and learning relentlessly.

You are right about the safety net. For me, it was the fact that I always can get back to a relatively boring and stable job of Java (or whatever) software engineer, if things went wrong. And I often had to. But the key point is that you do not need 4 years of education to become a Java software engineer. In 2017, it is way easier than in 2001, thanks to GitHub (the fact of Java being still around is the incredible stroke of luck, of course — but I had to change the horse midway, as I had started with Perl, and Perl is much deader these days).