All of us need time in order to cope for our losses, especially when we're talking about large amounts of investments wasted due to negligence or being irresponsible. You may be right that everyone of us needs to move on but let time do the work in order for us to move-on completely.
Recovery or moving on wont really be an easy thing specially when we do experience it on first time where mistakes do really affect us bigtime and moving on directly isnt really possible which same as you said it does really needs time for us to heal up because into those times we are learning and realizing it too why we do commit such mistake and further on you would gain experience along the way.