Hawkerjet, that may be the exact factual realistic scientific truth and a six pack... but here's what you're fighting, is the persistent religious belief that more money == more better. Round my house, we call that the BMW Theory. You just cannot convince people that that precept is not gospel.
But good luck and all.
Unmitigated risk aversion is the new Puritanism; complete with witch hunts funny outfits and humorless preachers thundering doom. The Deity is Safety; Satan is a Lawyer; but the object is the same: to suck the life out of life and tell you how to live it.