The stores and the things like that the business side of things came out at the point when I'd say probably in the early '70s it looked like the year of the singer-songwriter was over 'cause music changed in our time and the spotlight was out.
Creative risk taking is essential to success in any goal where the stakes are high. Thoughtless risks are destructive of course but perhaps even more wasteful is thoughtless caution which prompts inaction and promotes failure to seize opportunity.