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So basically it's the idea that sometimes the boat you miss is more important than the one you take.

LOL! No I doubt that one. Responsible people are good at saving passwords. People who are not impulsive and who are patient are not making many silly mistakes that will cost them all of their BTC.

Around 4million or around 25% of all bitcoins in circulation are now reckoned to be lost. I was running a full node and almost forgot my password so it could happen to anyone. I think the stakes have been raised sufficiently now that most people will have a good backup plan.