I guess we are better off being compliant and being safe and not weary about drastically losing money but if people play is risky, it is a gamble that can pay off or as you said they can lose everything.
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Not just money, wealth. If you have a social life it could be lost, include friends, family, partner, etc, if you have certain freedoms you cherish they could also be lost, it's not just the monetary aspects at stake.
Anything which you value which society can take away.