Based on that statement, there is not a competent person alive. I know of none that has not had self made mistakes and bumps in the road with regards to life in general, much less building a business from the ground up. I challenge anyone to post their resume of life and business along with evidence showing they have never had self made mistakes and or bumps in the road. Based on that statement I am assuming you have never lost money in the stock market, only wins otherwise by your own analogy you would be incompetent.