The reality with any advice offered is that it is either an observation from ones persons perspective or it is their opinion. Be careful of the "fact, fact, fact, myth, myth, myth" type answer. Things are rarely that clear cut, and isolated examples of something do not in themselves warrant the title of myth or fact.
There are many people oblivious to the realities of what is happening who want validation for their plans or ideas rather than a picture of what is happening. Ultimately any advice can only be based on what the respondent actually knows, has experienced, believes, or opines about. It is up to the questioner to decide what they want to do with that information.
In my experience of these forums, few (but not all) people heed any advice other than that they want to believe from onset. That of course is fair enough.
Would I advise somebody to walk in to a casino with £100,000 to lay on the table? Generally speaking no. However if they had a desire to do so, and this sum was a small part of their savings or disposable income, then that advice would be weighted on what I would do, rather than the negligible risk it would represent to themselves. On the other hand, if this sum were theirs or somebody elses life savings, then that same advice would be embellished with warning or strong caution. Nevertheless the decision would of course still be theirs to make.
In some of the examples given above, things may be possible, however that doesn't make them the norm, nor in the majority of cases very likely. Common sense is a useful but sometimes rare tool when absorbing information or advice from any source. The level of risk is very dependent on each individuals circumstances, and it is an assesment of that risk that each person needs to decide for themselves. For the majority of people there will always be a significant and very real risk involved, and this shouldn't be dismissed by tales of what is Black or white, or fact or myth.
Tread carefully.