My mother and I have had this general conversation in real life about 500 times. She gets some "great" idea, I tell her it's going to bite her in the butt, she calls me a cynical bastard (which is fair), and lastly, she puts her idea into motion ... and it bites her in the butt. She's told me "I don't care if you're right all the time, I just can't stand your negative attitude!" I guess the secret to happiness is to happily prance your way to poverty one boneheaded decision at a time.
A quicker way to get rich is to be the first person in a Pyramid scheme. (Those people who haven't been bothered by an Amways promoter should ask their mummy to change their nappy before she clicks on to the next strip).