True, the risk factors are both specific to the type of company and type of risk and some specificity of the kinds of risks, but it is not a statement that these things WILL happen, it is rather a particular kind of legal section intending to ensure that 1) investors know they are not getting into an insured bank deposit; and 2) that if things go wrong, and the broadly described risk factors are one of the potentially material causes, then the legal pretext for a claim by an investor/plaintiff has been covered and therefore they were warned. Reading it as some sort of guarantee that those things will happen is ridiculous. But they are of course intended to warn you of things that hypothetically could happen. They attempt generally to describe things that happen to companies just like them in similar circumstances. But the reason for the section is specific and legalistic and is not about saying these things WILL happen.
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