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I guess that's the crux of it. From an individual perspective it makes sense to stay in a stable environment, especially if a family is involved. However, I think from a societal perspective it is desirable to have people who gamble on creating new products which can raise the bar in their given industries.

Also, just because the start up fails doesn't mean it was a waste of time. If you manage to provide employment for even just 3 or 4 people for a few years, help them and yourself develop, that is a valuable success.

[surgical_fire]

But that will always come down to individual preferences. Typically people that have the desire to take risks don't need that sort of advice, they will be looking for that sort of thing already.