there has to be the willingness to take on personal pain, to risk the body, the capital, and open it up to the potential for loss in order to take advantage of the situation, to be the hero.

Very few people are willing to do this, they want the fast track, easy path to wealth. We live in world that tells us that our comfort is "guaranteed" and "risk-free". What a trap. Real wealth is by taking calculated risks where the outcome is NOT guaranteed.