<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>raincole</author><text>What&amp;#x27;s the alternative tho? If you take a loan, in most countries you&amp;#x27;re expected to pay it back, no? Do you think people should be able to default without consequence?</text><parent_chain><item><author>zwnow</author><text>This is a good argument. In Germany, if you take a loan to open up a business, you can pretty much ruin your whole life and financially never recover if it fails once.
It&amp;#x27;s a little different with tech, as you usually don&amp;#x27;t have as high costs early on, but still. There is an extremely high risk involved that most people simply can&amp;#x27;t afford.</text></item><item><author>jmward01</author><text>A corollary to this may be that those who get many chances are more likely to succeed. This is often the case for people that have a safety net of some sort compared to those that don&amp;#x27;t when it comes to, for example, starting businesses. Those with a safety net can fail and try again and again and eventually tell the story of how &amp;#x27;gumption and spirit&amp;#x27; made them a success while those that didn&amp;#x27;t have a safety net &amp;#x27;just didn&amp;#x27;t try hard enough&amp;#x27;. I know I have been exceptionally lucky in that I have been given many chances to fail, and taken them! Without those opportunities to fail safely I wouldn&amp;#x27;t have the success I have now.</text></item></parent_chain></comment><story><title>The Myth of the Second Chance</title><url>https://ft.pressreader.com/article/282557318242321</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>geraldhh</author><text>please elaborate how germany is different in structuring risk of business failure</text><parent_chain><item><author>zwnow</author><text>This is a good argument. In Germany, if you take a loan to open up a business, you can pretty much ruin your whole life and financially never recover if it fails once.
It&amp;#x27;s a little different with tech, as you usually don&amp;#x27;t have as high costs early on, but still. There is an extremely high risk involved that most people simply can&amp;#x27;t afford.</text></item><item><author>jmward01</author><text>A corollary to this may be that those who get many chances are more likely to succeed. This is often the case for people that have a safety net of some sort compared to those that don&amp;#x27;t when it comes to, for example, starting businesses. Those with a safety net can fail and try again and again and eventually tell the story of how &amp;#x27;gumption and spirit&amp;#x27; made them a success while those that didn&amp;#x27;t have a safety net &amp;#x27;just didn&amp;#x27;t try hard enough&amp;#x27;. I know I have been exceptionally lucky in that I have been given many chances to fail, and taken them! Without those opportunities to fail safely I wouldn&amp;#x27;t have the success I have now.</text></item></parent_chain></comment><story><title>The Myth of the Second Chance</title><url>https://ft.pressreader.com/article/282557318242321</url></story>