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Credit is granted to businesses that are not risky. It scarcely matters if the founder is willing to take a risk. What matters is whether the bank wants to take a risk. If they evaluate a business to be risky, they won’t loan money. Period. End of story. To operate in any other way woudl be a recipe for financial disaster for a lender.

No, you would be committing theft. At common law, theft is defined as (1) the removal of an object that is capable of being stolen, (2) without the consent of the owner, and (3) with the intention of depriving the owner of it permanently. While we may treat levels of theft differently (stealing the Mona Lisa would be punished more harshly than stealing a Snickers bar), theft occurs any time you take something that does not belong to you with the intention of keeping/using the property for your own benefit. There is no "degree of difficulty" requirement in theft; a theft made easier by another's mistake or lack of attention is still theft.A good example of this concept actually came up in a question that was posed on Quora about a year ago. Let's say that Bob spends $1000 on a new bike, which he then leaves, unlocked, on his driveway. We can all agree that Bob has made a stupid decision in failing to lock his bike or put it in his garage. We can all agree that Bob's unlocked bike is a tempting target for a thief, because in addition to being valuable, a would-be thief wouldn't have to do anything exceptional to take it. Indeed, he could potentially just hop on the bike and ride away.But Bob's poor decision-making does not alter any of the elements of theft: if a thief takes Bob's bike without his consent and with the goal of either selling it, keeping it as his own, or giving it to someone else, he's committed a crime. It's not a defense to say that Bob should have done a better job protecting his bike, or that a brand new bike sitting unlocked was an extremely tempting target, even though both statements are true. The thief cannot argue (at least not successfully) that Bob doesn't deserve the benefit of his property because he didn't try harder to protect it from people like him.Money is no different from an object like a bike. If Bob from above is equally careless in his job at the a bank and erroneously puts money into your account that you know you have no right to, you commit theft if you remove the money and attempt to spend it before Bob or someone else at the bank realizes the error. (This is of course different from a situation in which you alert the bank to its error and the bank fails to take timely steps to correct its mistake.) Claiming that the bank is responsible for the error and should have been more careful with its money is true but meaningless; this has the same legal effect (none) as the thief saying that Bob never should have left his new bike sitting out on his driveway.As a practical matter, you're unlikely to go to jail because you spent $50 that didn't belong to you, and it's possible that, as with Monopoly's Community Chest, a bank might let an insignificant error slide in order to avoid embarrassment/conflict (although I wouldn't bet on it these days). But $1 million? That's such a significant sum of money that there are perhaps a few hundred people on the planet that could legitimately claim not to have been suspicious to see such a sum arriving in their account unexpectedly. So if you were to receive $1,000,000 in error, your best bet is to alert the bank promptly, or at least not spend it. And if you spend it, odds are high that the bank will not be in an understanding mood.

March 2016,Redmond, WA.Interviewer: “So why do you want this role? You’ve been a developer your whole life and have done so much AI, robotics and ML; Why the switch? Why security? Why PM?”Me: “Honestly, I don’t know a thing about security. I took one class in undergrad which frankly wasn’t very helpful . That’s why. I find it fascinating and I want to learn. That’s the one thing I expect above everything else in my career, the opportunity to learn and grow. Things I don’t know or understand excite me, I genuinely love learning new things.”How should I choose my career?First up, understand the difference between a job and a career. A job is what you do, a career is what you grow. So many people chase the former without really understanding the latter. Think long term. A career should add value to you, it should help you learn and grow, it should have direction. Learning is the single most important aspect of any career; once you have that bit set, everything else falls into place over time.Understand the lay of the land. Today, more and more jobs are getting automated. Machines are just more efficient and accurate at doing redundant tasks; it doesn’t matter how skilled or unskilled the assignment, whether or not it is high precision, if it is repeatable, you can almost be certain that an algorithm will be doing it sooner or later. Choose wisely.Think of Darwin, it is not the strongest or the fittest who will survive, but those most adaptable to change. Learn to learn. Be willing and flexible to adapt and learn and grow. Every industry is always changing, the only way you remain relevant is by evolving with it. As you build your career, remember to find the right balance of breadth and depth; over-indexing on one or the other will mean you will hit that ceiling at some point.Following your passion is over-rated. Most people do not know what their passion is when they start their career. Sure it would be awesome if someone paid me a boatload of money to travel and eat great food; but that realistically doesn’t happen. Whatever career path you want to choose, ask yourself, what happens if you’re the 1000th best at it in the world? What would your life and lifestyle look like then? If the answer is satisfactory, go for it. When you practice something enough, you get good at it; when you’re good at something, you automatically learn to love it. There is no reason why you cannot have a very fulfilling career and also maintain and spend time on your passion; the two need not have a complete overlap or be mutually exclusive; learn to find the right balance.People matter, more than you think they would. No matter how incredible a role seems, if the people you work with are shit, you’re never going to find happiness or growth. A positive culture is infectious; when you work at a place where more people look forward to Monday mornings than Friday evenings, you can rest assured that you made the right choice. Your co-workers spend more time with you than anyone else in your life; make sure that the relations are built on trust and mutual respect.Money matters; the only people who say it doesn’t are those who already have a lot of it. No matter what people say, there is nothing romantic about going to bed cold, hungry and scared. Financial stability for you and your loved ones makes everything else significantly easier to tackle. It need not be the single focus of your dreams and I’m not saying that all one should do is chase wealth; what I am saying though is that it is a lot easier to follow dreams and debate life philosophies on a full tummy. Have clarity with your priorities.There is no one-size-fits-all mechanism to choose a career. We each want different things from life. Understanding what matters to us, what our dreams and goals are and then being objective and rational in our approach and choices will define who we really are as we embark on the journey of life. Do not be afraid of failure or or making mistakes; they are nothing more than learning and growth opportunities. Embrace calculated risks but don’t gamble. At the end of the day, it is your life; you make the decisions and you live with the consequences. So, while it is good to seek advice from many (often time unsolicited), remember that you are the master of your own fate.Choose, adapt, learn, grow, rinse and repeat.Dream big. Start small. But most of all, start. -Simon Sinek.Footnotes:Rohan Kamath's answer to How do you decide what career is best for you?Rohan Kamath's answer to What are the biggest career mistakes to avoid?Rohan Kamath's answer to What should we stop teaching younger people?Rohan Kamath's answer to What has been your best career decision(s)?Rohan Kamath's answer to Was sacrificing your early 20s for your career worth it?Rohan Kamath's answer to What are some ugly truths about careers?Rohan Kamath's answer to What are some of the best things about your job?In case we haven’t met before, I’m Rohan Kamath.Thank you for reading. I hope I could help you ponder today. :)