The simulated dialog you have provided is very much representative of what many of us have heard first-hand. However, I disagree with:

  Most businesses don’t care about later risk or any future 
  planning beyond the quarter horizon, they’re not concerned 
  about how it will effect their performance in 3 quarters or 
  lead to instability or issues, those are future problems 
  for a future person and we’re here for money now.

Businesses care about "later risk" and what it implies.

Individuals within an organization do not unless it will specifically affect their bonuses/promotions.