I agree, it is fine if people choose to do this! It doesn't change my perspective on it however. There is
definitely an opportunity cost. However, not in
all cases. A single developer who is talented can take a variety of paths outside of this system to make significant or more money.
I'm going to get ahead of the idea of the risk of stability and the implication I'm saying a software developer would be banking on risk/reward of a technology startup. I'd like to say that they can also use all the skills and knowledge of a software developer in a non-tech company with great success and similar or higher compensation with similar risk profiles.