risk-aversion, stability seeking. That pretty much sums it up. Little risk, little payoff. I know it sounds cliche, but it is also accurate.
I grew up in relative poverty, parents grew up in orphanages, but the home life was mostly stable. Left home at 18. High school grades were crap, because I didn't care about school. I got a trade certification, lived in a shed for 10 months while paying down bills, went back to school. Worked at a strip club as a "hotdog guy" (yeah, THAT hotdog guy) to pay bills. It paid well and gave me time to study. Got a decent job. Things went sideways, went bankrupt, went back to school, another degree, a few more specialties. Now I pull in six figures, have an affordable home and vehicle, and a modest lifestyle. Totally stable. You know, until it isn't and I have to regroup and do it again.
Funny part is, all my buddies that elected the "safe route", with solid jobs early on, and secure investments, still, mostly have their jobs, and their investments, and should be mortgage free in five more years or so, they have less education than I do, less mobility, and are less secure, as if they lose their jobs they have problem. If/when I lose mine I will shrug, and get another. No worries.
I guess the point of it is: for those who want to work hard, get educated, are flexible and willing to take a risk, success is possible. For the "safe" route types, success is still possible, but perhaps less grand. However, success is in one's perspective, and I am certain that, despite how I may feel about my choices, others would be much less enthusiastic about taking my path, as I would would be with theirs. That captures the concept of equal opportunity of success to me.