Risk management + money management is fairly simple and nowadays can be well automated, but even those people loose money. And hedge funds and instituions also actually - not all of them is able to earn decent returns (when they earn).
If risk and money management were simple, they wouldn't be losing money. They lose money because they have problems, including risk and money management. It is extremely difficult, it is extremely difficult to balance it all. Not just in the long run. Because many strategies with risk and money management just break down at a distance.
I also agree with you. Yet with psychology & strategy & money management - there are many books, researches on this and now softwares that help with that. But people still keep loosing 
Everything that you have listed makes only a theoretician out of a trader, not a practice. What's the use of these other people's books, research, when you have neither statistics nor experience?
People lose money because they think they read it, watch it, connect a couple of instruments and that's it, the path to victory. The path to victory will be only in the case of a large and long accumulation of statistics and refinement of the strategy based on historical data, analysis of all your trades, which should be at least 1000. And the one who finds the ideal pattern in all these actions will earn money.
The fact that you read all the books in the world of trading will not make you a trader even by 5%