Years back a high school classmate (came from a large hog raising family) told me how he had calculated that he could buy an auger truck and run to town cheaper than he could grind and mix his own feed on the farm. Several years later I ran into him again and he had gotten out of hogs ... couldn't figure out how to make a profit. It is predictable. When you can only stay in business because of the money then you are involved in a system that is designed to fail (or make money for the banker). It follows from this that if you do not do things for money then you cannot lose.