It's hard to compare real life to a game. As has been pointed out games are relatively simple and once you figure out the formula you can earn unlimited gold, or beat virtually any quest with ease.
But the single most important difference is the ability to reload. In a game you can try anything and if it doesn't work you just restore where you were. In real life you have no previous saves to go back to so people are a lot more cautious about their decisions.
Google DiD (Dead-is-Dead) which is a style of gaming where you're not allowed to go back to an earlier save point. If you die, that's it, if you make a mistake that costs all your hard-won gold...too bad. Read some journals of people attempting this style of game and you'll get a much clearer glimpse into the way people 'play' real life. Most don't get anywhere because they take the same risks they would take if they had a safety net, so they die quickly. Others survive by hiding under a rock.
Just like in real life, only a tiny minority have both the courage to truly play the game and the prudence to stay alive.
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