A person who does not want to pay and does not want to take risks is a natural thing to him.一个不愿付出、不愿冒风险的人，一事无成对他来说是再自然不过的事。

Some people asked the farmer, "have you planted the wheat?"
Farmer: "no, I'm afraid it doesn't rain."
The man asked, "then do you grow cotton?"
Farmer: "no, I'm afraid the worm eats cotton."
The man asked again, "what have you planted?"
Farmer: "nothing. I want to make sure it's safe."

有人问农夫：“种了麦子了吗?”
农夫：“没，我担心天不下雨。”
那人又问：“那你种棉花没?”
农夫：“没，我担心虫子吃了棉花。”
那人再问：“那你种了什么?”
农夫：“什么也没种，我要确保安全。”