Money is essentially a compensation for risk. The less willing you are to take risks, the less money is willing to come close to you. This is a fact.

But I want to add two points:
1. This is not an issue of educational background itself, but rather a problem of educational methods and cultural orientation.
Many top universities abroad (especially in the United States) encourage students to start businesses, allow for fail fast, and there are a bunch of billionaires who graduated from Stanford, MIT, etc., in Silicon Valley.

Even with high academic qualifications, they didn't develop a "timid" mindset but instead cultivated systematic thinking skills and resource networks.

Therefore, the phenomenon in China is more likely related to exam-oriented education and the "iron rice bowl" culture. I have experienced this more deeply in Shandong, where Confucian influence is strong.

2. Stability is not without its merits.
For the vast majority of ordinary families, "stability" is a rational choice. Parents encourage their children to study hard to break out of the lowest social strata—today without work, tomorrow they might not even have enough to eat.

High-risk entrepreneurship is suitable for those with strong innate resilience, resources to fall back on, or no other options, but it is not suitable for everyone.

Many people pursue stability because they are actually seeking predictable dignity and security, which in itself is not wrong.