Come on that was a guy taking the opportunity to be a troll. Ignore!

But I do wonder why you do seem to bring this topic up a lot in a way that is almost like asking for our permission to be or not be a black hat. Or perhaps you want to hear us say "yes you will make a lot of money and have a great life if you do that." You seem to be searching for something. If you want to live the life you want I would say just do it but you don't need to justify it to any of us. More like your are justifying it to you in sort of written form. The fact that you aren't just doing it and sort of putting it out there for someone to disagree without says you don't want to do it.

I see what you are saying here and I kind of agree but, to a point. When I was younger and had no money I was a rage machine. It meant everything if my car broke down because I had no other way of getting anyplace. It meant everything if I missed a credit card payment and was charged a late fee. All that just put massive stress on me. Now that I have more money and can just pay a late fee I am happier. Not 100% rage free but like 50% less.