Sometimes we have to see a person's mentality as someone who has the opportunity to change their circumstances. Rich people have a strong mentality for starting something new, while poor people often have high levels of fear, preventing them from making risky decisions like investing.
Yes, you can diversify your investments to make investing a conservative strategy, but FIAT is not an option.
Sometimes, it's better to be humble and cautious rather than opportunistic - though everything should be there in order to achieve success.