That is true. It's very easy to sit back and point fingers.
The old saying "when you point a finger- 3 more point back at you" sums it up.
I wrapped school up in 2005 and have been self employed ever since.
I've been through some very hard knocks and broke several times. I understand about not getting overly excited about potential. It clouds the judgements and lets a person talk himself/herself into things that aren't so.
2+2= 4 is the basics of business. When it gets more complicated than that- pay attention because something may be shady.