What makes this observation sharp is its reversal of what we usually worry about—most caution warns against *lacking* money, but Hill spots the subtler danger of plenty without judgment. A lottery winner who hasn't learned to think critically about spending, investment, and long-term consequence is more likely to end up ruined than someone of modest means forced to reason through each decision. The real peril isn't the money itself but the false confidence it creates, the sense that having resources means you needn't bother developing the wisdom to use them.