The man is so heavily biased that he forgets that married people with kids do take financial risks like all the time and unfortunately, stories like this happens on a daily basis irl. I guess the MC forgets he was born in this world with a silver spoon, thus he sees this from his perspective. That logic would crumble in any serious talk which is why the others gave up.
Oh well, I'm gonna assume this all a part of the growing process for the MC into maturing into a more thoughtful person, he does act like a brat all the time and everyone else knows that lol