Exactly. I take fish oil, eat a mostly plant-based diet, don’t smoke/drink but live comfortably in a van for cheap. Why? Survival is easy. All risks are not created equal, and following the heard may result in running off a cliff, ie debt, consumption-oriented, spendy, no love/children/friends, workaholism /not enjoying vacations/travel/life and worrying about the wrong things that don’t really matter.