I agree with you, actually the main factors that determines every successful business is planning, however that's why they said "he who fails to plan, plans to fail", planing is very essential that without it a business could fail.

One of the major factor behind every investment failure is improper planning, because is not possible for someone to just wake up one morning and decided to invest on Bitcoin without putting something in consideration such as knowing the potential of your investment, having a diversified source in case others did not work, knowing the risk and how to avert it and most importantly always having a reserve funds.