I agree everyone should do whatever they want to do to get where they want to be in life–I did, and I know many others here have done so as well.
I don’t think anyone is discouraging anyone from going all in, but we’re just mentioning the possible consequences, and trying to be helpful.
In the final analysis–regardless of what is posted on a chat board–it’s every person for him or herself–and, in the end, as long as you can say you lived the life you wanted to live–that’s what really matters!!