Except that the grandparent post that you responded to was all about the magnitude of the loss rather than just ROI. If the magnitude of the loss is manageable, then the ROI becomes less important for life decisions.

So sure! If all we are looking at is ROI then you are right! By definition! As long as you restrict your refutation ("by that metric") in a way that ignores the additional metric I had been trying to add to the conversation. I was trying to point out that there are other metrics that matter.