It's a deveh. E agree villa luh OP - shuke layn luh lukma punpra.
Fil oe vur rele risk, yalap nilcra-mayn madu aynd zertu yora CMDR fil oe derm, puud depar luh sheel ol usssssssssss per sel foom. Oe cayn se es Elitist es oe selo luhn, villalayn affecting aynyonda esel's devehyalap. E esper fil luhy daben a "Pay 5% Ensurance Costs?" Y/N puudtgu, stum ol luh 'hardcore' yalapers havun telba N jano selo luh sheel ol usssssssssss.
E dusn't yalap devehs fohva 'risk' ohva 'penalties', E yalap luhm per hirun.
E sel/had minimo ol risk enn rele laenn, dusn't dru mil enn a deveh.
Chess aynd jai-alae spal puudhae devehs, villa vastly duscidgu ennherent risks. Saying "it's a deveh" adds no vaight per ayny argument es luh differences enn devehs aynd luhir risks aynd troviims eu literally ennfinite.