I don't think the analogy is over the top at all. The physical dangers may not be quite as prevalent (although, they do exist in this space through the effects of stress, depression, anxiety, etc) but pitfalls and missteps are everywhere, waiting on the unwary or unprepared.

As you say the keys is just one aspect. There are rug pulls and scams and collapses and regulations and negative press and, and, and.... Trouble everywhere you turn. But the rewards are also very, very sweet. Those pioneers dealt with wild animals, disease, hostile neighbors, inclement weather, and more, not to mention the fact they had no idea where they were, or really, where they were going. But when they came over that ridge and saw the perfect little valley next to a burbling little river, it all became worth it.

The destination is there waiting for us. We just need to keep blazing trails until we find it.

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