174sarasvathy


SarasSarasvathy

Isidore Horween Research Professor
Darden School of Business 

University of Virginia

Raghavan Chair Professor in 
Entrepreneurship,               

Indian Institute of Management, 
Bangalor 

SarasvathyS@darden.virginia.eduI

Unplugged - "Carte blanche"

The Downside of Entrepreneurial
Opportunities

by Saras SARASVATHY

In the original tradition of the "Unplugged" section, "carte blanche" grants a wild 
card to world-class scholars to share their own perspective on novel ways to 
conceive of management today. They may offer new avenues and draw up  an 
agenda for a specific research question. Authors have to be invited to submit to 
the "carte blanche" series by one of the editors.

Abstract. The conceptualization of opportunities at the core of the research field 
of entrepreneurship  has led to a growing stream of interesting  work. This essay 
seeks to build on that scholarship  and focus the conversation on the downside of 
opportunities. Focusing on the  downside puts the person back in the person-
opportunity nexus, puts the nexus into the stream of literature on occupational 
choice and shows how effectual logic may be applied  to the occupational choice 
problem, especially in dealing with findings from prospect theory on loss aversion 
in human behavior.

!

! I have never been a fan of universal definitions for important phenomena at 
the heart of a field  of research. On the one  hand, universal definitions fail 
because they are never universal. There is always someone who has or comes 
up  with a different conceptualization that merits attention. Take something as 
simple (?) as gender.  When we define gender as male and female, we leave  out 
transgendered people.  Moreover, the  simple dichotomy makes us blind to 
conceptualizing gender as a continuum, which affords relevant insights into 
important phenomena such as creativity (Harrington & Anderson, 1981; Jönsson 
& Carlsson, 2000; Norlander, Erixon, & Archer, 2000). On the other hand, near-
universal or generally accepted definitions that are too focused or too precise 
tend to  narrow down a field of research in ways that are detrimental to the 
intellectual development of the field, even when they may enable  legitimization 
and institutionalization. For example, if we (as some do) defined the entire field of 
strategic management as the pursuit of sustained  competitive advantage within 

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mailto:SarasvathyS@darden.virginia.edu
mailto:SarasvathyS@darden.virginia.edu
mailto:SarasvathyS@darden.virginia.edu
mailto:SarasvathyS@darden.virginia.edu


existing markets, we would become blind to the possibility that markets may be 
endogenous to strategic action (Barney, 1991; Peteraf, 1993), or shy away from 
studying exactly when and how organizational failure could and should be firms’ 
chosen objective (Dew, Goldfarb, & Sarasvathy, 2006). Contrarian perspectives 
have been an integral part of intellectual progress, be it Godel’s challenge to 
formal mathematics (Smullyan, 1992) or Arrow’s impossibility theorem, which 
shook the foundations of welfare economics (Arrow, 1950).
! Yet some broad agreement on a cluster of loosely related definitions can 
be  useful and may even be necessary for a field to come together at the core and 
cumulate knowledge in a rigorous way. Conceptualizations of “opportunities” 
serve this less sweeping yet more valuable purpose in the field of 
entrepreneurship. I deliberately use the plural here not only because there are 
several different kinds of entrepreneurial opportunities in the world  but also 
because there are a multiplicity of definitions of entrepreneurial opportunities 
even within the field of research as practiced by scholars in the Academy of 
Management. And that, in my opinion, is a positive thing.
! Let us consider a few examples. Note  that my selection is most likely 
neither complete nor representative. It is simply an ad hoc assembly that allows 
us to glimpse  at once the difficulties and possibilities of placing opportunities at 
the heart of entrepreneurship  research while acknowledging their importance and 
value from practical and pedagogical standpoints.
! In his seminal essay on The Distinctive  Domain of Entrepreneurship, 
Venkataraman (1997) proposes that “entrepreneurship  as a scholarly field seeks 
to understand how opportunities to bring into existence "future" goods and 
services are discovered, created, and  exploited, by whom, and with what 
consequences” (1997: 120; italics in the original). This puts opportunities at the 
center of the field of research. But Venkataraman (1997) does not define 
entrepreneurial opportunities per se. His later, better-known and highly cited co-
authored article appears to  build  on Casson’s definition of opportunities, as 
follows: 

Entrepreneurial opportunities are  those  situations in which new goods, 
services, raw materials, and organizing methods can be introduced and 
sold at greater than their cost of production (Casson, 1982). Although 
recognition of entrepreneurial opportunities is a subjective process, the 
opportunities themselves are objective phenomena that are not known to 
all parties at all times (Shane & Venkataraman, 2000).

! This definition has led to  ontological debates in the field as to whether 
opportunities are objective constructs or subjective  perceptions (Alvarez & 
Barney, 2013; Dimov, 2007, 2011; Eckhardt & Shane, 2013; McMullen, Plummer, 
& Acs, 2007; Sarason, Dean, & Dillard, 2006; Vaghely & Julien, 2010), whether 
they can be perceived ex ante even if they exist objectively at all (Davidsson, 
2003; Dimov, 2011), and whether they are generated by forces external to the 
entrepreneurial process or endogenous to the actions of entrepreneurs (De 
Carolis & Saparito, 2006; Sarasvathy, Dew, Velamuri, & Venkataraman, 2003; 
Venkataraman, Sarasvathy, Dew, & Forster, 2012). Shane has argued rather 
firmly that opportunities arise from technological, demographic, and regulatory 
changes largely outside the entrepreneurial process (Shane, 2000). I have 
argued  otherwise, mentioning sources that are not antithetical to the three which 
Shane mentions but additional to them (Sarasvathy, 2008). My view, shared by 
my colleague and  co-author Venkataraman, is that there is no need to make an 
absolute choice  between these  alternative points of view. Instead, the debates 
are pointing to a taxonomy that can form a productive basis for research using 
multiple theoretical perspectives and every empirical method imaginable.

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! While a variety of spirited debates continue  on the pros and cons of 
treating opportunities as the central phenomena of entrepreneurship  research, 
empirical work has flourished around the recognition, discovery, and creation, 
amongst other things, of opportunities, for-profit, nonprofit and social ventures, 
and even new markets and new institutions (Corbett, 2007; Corner & Ho, 2010; 
Dutta & Crossan, 2005; Mueller, 2007; Saemundsson & Dahlstrand, 2005; van 
Gelderen, van der Sluis, & Jansen, 2005). Yet almost all this research 
emphasizes the upside potential of opportunities, with downside issues either 
ignored or relegated to heuristics and biases of one kind  or another. For example, 
the literature stream on occupational choice  models entrepreneurial opportunities 
as the probability of achieving risk-adjusted expected return (Amit, Muller, & 
Cockburn, 1995; Douglas & Shepherd, 2000; Evans & Jovanovic, 1989; 
Kihlstrom & Laffont, 1979). The literature stream on overconfidence bias argues 
that entrepreneurs tend to overestimate the upside potential, thereby 
underestimating  downside risk (Baron, 2000; Busenitz & Barney, 1997; Camerer 
& Lovallo, 1999). In general, extant research on opportunities pays less attention 
to how entrepreneurs think about, manage, and cope with downside risk than 
how they perceive, pursue, and achieve the upside potential of opportunities. 
! The very word  “opportunity”  has positive connotations. It brings to mind 
success, achievement, prosperity, and even health and happiness. The word 
entices. We  instinctively suspect that even those who fear the downside sigh in 
wishful fantasies about the upside. It brings to mind  self-help  books that urge  us 
to view our misfortunes as opportunities. Merely “seeing” something as an 
opportunity, it seems, can deliver us from the downside. The shining clarity of the 
upside enables—nay, empowers—us to overcome  any risks it may entail or any 
hurdles that may come our way in its pursuit. 
! Yet the most compelling opportunities are the ones where the  upside is not 
clear, but the downside is clear or can be defined  and brought within one’s control 
(Dew, Sarasvathy, Read, & Wiltbank, 2009). For if the upside is clear, that will 
attract a multitude of competitors, many of whom may be better suited both in 
terms of talent and treasure to pursue  it. With the downside  under control, and 
the upside unclear, it is highly likely that only those who care about the upside  in 
ways other than externally defined metrics of “winning” will pursue the 
opportunity. In other words, unclear upsides act as selection mechanisms that 
cue  in intrinsic motivation.  More importantly, intrinsically motivated entrepreneurs 
and their stakeholders will seek not merely to  reach the upside they care about, 
but to keep  pushing its frontiers upward even as they achieve it. The  rest of this 
essay is an elaboration of this argument.
! Many of my insights into questions worth pursuing  in research come from 
the classroom and interactions with students struggling with practical issues 
which arise when starting, running, and growing new ventures. In terms of 
entrepreneurial opportunities, I have encountered at least four typical situations 
with which my students struggle. For ease of reading and for the fun of writing, I 
will first introduce the four scenarios in theatrical fashion (also illustrated in Figure 
1 for readers who find my tastes in drama a little  tedious). Thereafter, I will show 
how these scenarios fit into a model of entrepreneurial opportunities organized 
according to both upside and downside aspects of each opportunity.

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Figure 1. Upside and Downside Salience of Entrepreneurial Opportunities

CURTAINS RISE: PASSIONATE PETER

! We have all encountered Peter. Perhaps we  even believe Peter is the only 
“true”  entrepreneur. Peter is passionate about his venture  idea. In fact, it is not 
merely an idea to him. He is convinced that his venture is doable and worth doing 
and that he should do it without regard to the downside. Failure is not an option 
for Peter. And he has a thousand arguments why the  upside is going to be great, 
even overwhelming. He has data; he has passion; he is persistent. Peter is not 
on the job  market. While his classmates are sweating in suits trying to line up  as 
many interviews as they can, Peter is busy working on his venture, making 
prototypes, presentations and pitches. Peter is usually distracted in class. While 
he  has no problems calling up  customers and investors and energetically moving 
them toward deals, he finds it very difficult to compromise if those deals don’t 
happen on his own terms. Peter doesn’t often seek out meetings during office 
hours, but every time I see him in or out of my office, he has exciting stories of 
potential progress and previous triumphs over obstacles of all kinds. No 
cautionary tales about downside possibilities bring Peter’s enthusiasm down; he 
simply does not hear them.

THE LIGHTS DIM: LEVEL-HEADED LAURA

! Laura is very different from Peter. Laura has already lined up  a job, but she 
is also keen on starting a venture sooner or later in life, and preferably sooner. 
Laura too has been working hard on her venture, collecting data, building 
prototypes, and constructing pitch-decks. She is busy setting up  meetings with 
potential stakeholders to garner commitments and is often in my room asking for 
advice on how to deal with decisions facing her: what to change vs what to fight 
for; how to  respond to new opportunities that some of these changes open up; 
which stakeholders to  heed and which to  ignore; and so on. Perhaps because of 
this, Laura is bullish about her efforts and yet not entirely sure what the upside 
will be or how big or how close. Laura’s biggest struggle is with calculating her 

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affordable loss. She keeps bringing up  the opportunity-cost issue  and  repeatedly 
asks me how she will know whether to walk away from her job offer or not.

A FIRM KNOCK ON THE DOOR: CONFIDENT CANDICE

! Candice does not like sharing  her idea with others. She asked the most 
detailed questions on intellectual property in class. She is not keen on co-
founders and would prefer to go  it alone. She is very attentive in class and is 
most likely to raise her hand, along with endless doubts about how and why 
certain actions and techniques and advice may or may not work for her particular 
venture. Like Peter, Candice is convinced  about the upside of her venture and is 
not open to substantive changes suggested by stakeholders. Unlike Peter, 
however, she definitely craves external validation before she will take the plunge. 
And like Laura, Candice has lined up  a job  that she admits she does not much 
care about given her passion for her new venture. After several meetings with 
her, I convinced her to reach out to a variety of stakeholders, including top 
managers of existing  companies that she sees as her competitors. She is now in 
my office on the verge of tears because one  of them made her a job  offer to build 
her venture within his company. Of course, she is now even more convinced 
about the upside of the opportunity and is sad and mad that she followed my 
advice and did not go at it alone.

THE PHONE RINGS: ASPIRING AJAY

! Ajay is an alumnus who graduated  five years ago and has since then been 
working in industry and doing very well. Ajay tells me  he  is finally ready to take 
the plunge. He has a couple of different venture ideas, all within the industry he 
has been working in. He laughs and recalls the bird-in-hand principle. He 
explains that he has been building relationships with key stakeholders and that 
he  is now ready to ask some of them to come aboard his new venture. I ask Ajay 
about his family situation and savings and whether he has thought through his 
affordable loss in terms of time, money, and emotion. Ajay answers in the 
affirmative. He then goes on to  describe possible revenue models for his ideas 
and what it might take to secure them. His excitement becomes more evident as 
he  talks but he  invites me to shoot holes in his premises and asks if he can see 
me in person for a more  detailed discussion. When I ask him if the meeting is to 
decide whether to leave his job  to start the venture, Ajay replies calmly that he’s 
already given notice to his employer, so the  meeting is to focus on execution of 
the new venture.
! It is not difficult to imagine specific opportunities that fit each of these 
theatrical scenarios; the theoretical insight embedded in them reveals itself, 
however, when we imagine  these  four scenarios around the exact same venture 
idea or opportunity.

THEORETICAL FRAMEWORK

! In developing theoretical insights as suggested above, we  need to tackle 
the ontological problem of whether opportunities are  found or made. Even if we 
take an ontologically objective stance towards the single opportunity that our four 
potential entrepreneurs are exploring, we need to  consider two ex-post cases: 
one in which the perceived opportunity is realized  and one in which it fails to 
materialize.  
! The first theoretical insight that comes to mind here is the notion of person-
opportunity nexus. Even when the opportunity exists in an ontologically objective 

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manner, the particular beliefs and circumstances of each potential entrepreneur 
make the decision facing them fundamentally different. Assuming that all four 
students are capable of executing well on their ventures, we can connect their 
immediate  decisions with eventual outcomes in certain practically informed yet 
theoretically useful ways. 

CASE 1: PERCEIVED OPPORTUNITY IS REALIZED

! Peter would naturally pursue the opportunity without worrying about the 
downside and so will reap  the upside benefits of it. Laura, meanwhile, may 
decide not to pursue it and  hence lose out on the eventual upside. Candice, like 
Peter, will likely pursue the opportunity, but, unlike Peter, she will reap  only a part 
of the upside since she has to share a large portion of it with her employer. Ajay, 
like Peter and  Candice, will also pursue the opportunity and avail himself of the 
upside to the same extent, or almost the same extent, as Peter. The only 
difference is that Ajay will probably sleep more soundly more often than Peter.
! This is because beliefs about the opportunity and individual circumstances 
are not entirely independent. Beliefs about the opportunity may also influence the 
circumstances of the potential entrepreneur. Peter, for example, did not even look 
for a job  and so does not have to deal with the opportunity-cost problem that 
prevented Laura from seizing the opportunity. Similarly, actions to shore up  the 
downside influence circumstances and beliefs. The  job  offer from a potential 
competitor convinces Candice about the upside, while Ajay’s savings and 
network of high potential contacts allow him to sleep better at night.

CASE 2: PERCEIVED OPPORTUNITY FAILS TO MATERIALIZE

! In this case, Laura is unaffected since she did not pursue the opportunity. 
Candice may simply settle into her job  and move on to  other projects within the 
company employing her. Peter and Ajay, however, face rather stark choices now. 
Peter can either continue to persist for as long as he is physically able or give up 
in despair as reality hits him sooner or later. Ajay, too, has to face the decision to 
quit. Since control over the downside is important to him, he is likely to face  that 
decision sooner than Peter. Depending on when he decides to quit, Ajay can 
either go back on the job  market or start another venture after taking inventory of 
his bird-in-hand resources and  affordable loss considerations at the moment of 
quitting on the failed opportunity.

CASE 3: PERCEIVED OPPORTUNITIES ARE ENDOGENOUS TO ACTION

! An entirely different case to consider is when our four students perceive 
the opportunity at hand not as exogenous to their actions but as subject to being 
shaped and even constructed through their actions. In this case, all four students 
are likely to pursue the opportunity they perceive. The way they pursue it is likely 
to be very different, however. Peter will probably chart a visionary path searching 
for true believers and learning to pitch, sell, convince, compel, and persuade 
stakeholders to work with him. To the extent that he finds these stakeholders, he 
is likely to succeed in making his vision a reality. Laura, on the other hand, will 
likely proceed  in a more causal fashion, relying  on external data, customer 
validation, and investor input to build the venture of her dreams. Like Peter, since 
she  is not inclined to deviate from her vision, Laura will succeed  only to the  extent 
that like-minded people sign on to work with her. Unlike Peter, however, since she 
worries more about the downside, she is likely to move more slowly and 
prudently. Hence, while the venture she ends up  building may be smaller than 
Peter’s, it will most probably endure better. Yet, Laura’s success is subject to the 

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same constraint as Peter’s, namely an unwillingness to change the original vision 
in response to input from others.
! Without that constraint, Candice and Ajay will not only be able to shape the 
perceived opportunity into new venture success, but they are  also likely to come 
up  with more opportunities along the way, and those  opportunities will be more 
innovative in nature. Since they are not tethered to  a pre-determined vision of the 
opportunity and maintain a constructive stance toward opportunities in general, 
they remain free to innovate, morph, and create. Given that Candice builds her 
opportunities within an existing firm while Ajay ventures on his own, however, 
their long-term outcomes may turn out to be very different as well.  
! Notice, however, that while Peter and Laura may be focusing their 
constructive energies too narrowly on their own visions, Candice and Ajay may 
very well spread themselves too thinly over a variety of exciting possibilities that 
distract them from building any one of them to endure and thrive. It is here, of 
course, that proceeding effectually, through pre-commitments from self-selected 
stakeholders, becomes a useful lesson for potential entrepreneurs to learn.

CASE 4: ACCIDENTAL OPPORTUNITIES

! In the theoretical framework and theatrical scenarios constructed  thus far, I 
have assumed a certain amount of rational thought and deliberate choice on the 
part of my students. This is of course an artifact of casting my entire theatrical 
production with MBA students. In the real world, people often start ventures 
without resort to such cognitive deliberations. They may be: 

- pushed through necessity (Grameen families in Bangladesh) 
- or contingency, in response to life’s tragedies (Steve Mariotti, founder of 
NFTE, and Slavica Singer, founder of the entrepreneurship  program at the 
University of Osijek)
- and unanticipated windfalls (Cynthia Stafford, founder of Queen Nefertari 
Productions); 
- or may start ventures as a joke (Gary Dahl, founder of Pet Rock), 
- or to enact quixotic visions (17th century Scottish entrepreneur William 
Paterson), 
- or through utopian zeal (Kellogg), 
- and may even be dragged reluctantly into another person’s ambitions (the 
original founders of Starbucks, and Kiran Mazumdar-Shaw, founder of 
Biocon).

! While I am sympathetic to critics who see my theoretical “framework” 
above as an unjustified  attempt to impose neat theoretical “stories”  on the giddy, 
irrational, messy, emotional, animal spirits of actual entrepreneurship  set in the 
mud of Kierkegaard’s existential reality, I would still like to doggedly advocate  the 
importance and usefulness of such “stories”, even when applied to the more 
human and humane list in Case 4 here. In fact, I would argue that the framework 
is particularly useful for incorporating the people, ventures, and opportunities on 
this list precisely because these  entrepreneurs exemplify the importance of 
intrinsic motivation disconnected from the predictable consequences deemed 
desirable through extrinsic metrics. It is precisely because viable and valuable 
ventures often arise from human action that is not consequence-driven within a 
“rational” rubric of some sort that we need to focus, embrace, and leverage the 
downside rather than the upside of entrepreneurship opportunities.
! In sum, in all four cases in the foregoing exposition, I have argued the 
need to more explicitly incorporate the downside potential of opportunities into 
our research. Yet this line of argument might immediately raise a few flags for 
behavioral scholars, especially those  working  within the venerable  stream of 
research in prospect theory (Kahneman & Tversky, 1979, 1984).

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HOW DOES THE CURRENT FRAMEWORK DOVETAIL  WITH  PROSPECT 
THEORY?

! Prospect theory has demonstrated the  fact that human beings are more 
averse to losses than they are motivated by gains. My urging potential 
entrepreneurs to come to grips with downside possibilities before they even begin 
seems to fly in the face of findings about loss aversion. Wouldn’t paying attention 
to the downside reduce the number of people wanting to start ventures in the  first 
place? Furthermore, given the growing policy and financial incentives designed to 
entice more  people to become entrepreneurs, would the framework presented 
here not become counter-productive to those worthwhile efforts?

! Well, yes and no.  

! Yes. And that would be a good thing, because I am not at all convinced 
about the value of “incentivizing” more people to start ventures.  
First, such incentives may constitute a perverse selection mechanism whereby 
people start ventures not because they want to, but because the incentives entice 
them to, both by removing liquidity constraints and by increasing the “cool”  factor 
of entrepreneurship. Consider this in light of what we know from creativity 
research, namely that intrinsic motivation is the strongest predictor of innovation 
(Amabile, 1996; Sternberg, 1999).
! Second, this selecting of people without intrinsic motivation is further 
propelled  by the fact that most incentives are designed without rigorous 
investigations into what potential entrepreneurs actually value or want or should 
value and want. In a recent empirical examination of this issue, Ramesh, Dew, 
Read, and Sarasvathy (2014) found that the incentives potential entrepreneurs 
value the most actually cost less to provide than the resources policymakers 
currently spend in the (mostly) financial incentives they offer.
! Third, these  incentives divert valuable taxpayer resources away from more 
effective, albeit long-term, investments such as education, including 
entrepreneurship  education toward a short-sighted race to  the bottom, where 
cities and countries compete to offer more and more enticements that cost them 
more and more money. This frenetic competition has the unhealthy side effect of 
ignoring and even shutting out existing entrepreneurs who are beginning to do 
well and could perhaps use those resources to scale up  to create more jobs and 
income growth. Moreover, it also disincentivizes those  who failed  in their first 
venture but have learned valuable lessons that could  lead them to restart more 
efficacious ones next. 
! Fourth, a larger percentage of people who become entrepreneurs in 
response  to financial incentives rather than through intrinsic motivation are likely 
to fail, and as the failure rate increases, fewer people are likely to be intrinsically 
motivated to venture in the future.   

! And no. Because, by limiting incentives and expanding entrepreneurship  
beyond potential entrepreneurs, we could actually end up  with more, higher-
quality jobs while reducing the number of ventures started. 

! In a recent article, my co-author and I showed why conceptualizing 
entrepreneurship  as a method rather than as a phenomenon could be of 
considerable importance (Sarasvathy & Venkataraman, 2011). There we offered 
an analogy with the history of the scientific method  and  also contrasted the 
constituent elements of both methods. Here, I would like to offer a counterfactual 
argument. What if we had decided to treat the rise of science in the way that we 
are approaching the rise  of entrepreneurship? What if we had “incentivized” 
potential scientists instead of educating them, starting with everyone in 

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elementary and middle school and slowly beginning to  broaden and deepen 
applications in high school, then offering specializations and expertise through 
undergraduate and graduate programs? What if we had decided what to teach at 
each level by focusing on successful versus unsuccessful scientists rather than 
painstakingly working out the internal logic, practical techniques, and experiential 
teaching methods based on actual experiences of working scientists?
! This brings me back to the content of the entrepreneurial method that we 
need to be  teaching to everyone just as we teach science. Developing the 
content of this method without falling prey to post-hoc theorizing based on so-
called  “success factors” requires us to invest in careful thinking. This thinking 
should square  with extant findings from rigorous research into human experience 
and build on the history of ideas to date. In other words, should the content of the 
entrepreneurial method emerge from the actual experiences of entrepreneurs, 
both successful and otherwise, but ignore human experience more broadly? This 
is clearly not the case, hence the need to pay attention to well-established 
theories from outside the field of entrepreneurship  as well. Prospect theory is a 
case in point.
! Loss aversion is a fact of human behavior. Not only do we dislike losses, 
but we tend to go even further out of our way to avoid them than we would to 
obtain gains. At first glance, this suggests that some form of denial about the 
downside would be an appropriate strategy for encouraging potential 
entrepreneurs to actually take the plunge. However, experienced entrepreneurs 
learn the hard way that denial may not be the best or only strategy here. A more 
useful strategy might be  to actively gain control over the downside  through the 
affordable loss principle.  
! Affordable loss has at least two components, one independent of the 
opportunity being  envisioned or designed and the other closely intertwining  the 
person and the opportunity. Potential entrepreneurs can calculate  their 
idiosyncratic affordable loss without taking into account any particular venture 
opportunity. The only opportunity of interest here is the opportunity to  become an 
entrepreneur. This calculation entails pre-committing to certain outer bounds on 
investment such as time, money, effort, and emotion. A potential entrepreneur 
can say to herself, “I am willing to invest about 10% of my current savings and a 
year of nights and weekends in building this opportunity.”  
! In parallel or subsequent to  this calculation she can define  a set of bounds 
on her willingness to lose on particular opportunities. Depending on individual 
circumstances, beliefs, and abilities, potential entrepreneurs might start with one 
or more opportunities. They may even start with none, simply generating possible 
venture ideas or initial courses of action based on who they are and  what and 
whom they know. Choices depend less on upside potential than on whether 
particular opportunities are worth pursuing or creating, even if the entrepreneur 
ends up  losing whatever she has set aside as affordable loss. This focuses the 
decision maker’s attention on the value of the upside potential in non-financial 
terms. In other words, the opportunities envisioned  have to cross the higher 
threshold  of loss aversion rather than the lower one of gain-seeking. The 
potential entrepreneur is no longer deducting the probability of failing from the 
expected gains, but examining the value of the venture in terms of certain failure 
and asking if it would still be worth attempting. The tough love embodied in this 
criterion has the opposite  psychological effect of upside incentives. It cues in 
intrinsic motivation. It forges prospect theory into an effective  selection 
mechanism. Finally, it is less costly for taxpayers.
! In sum, a focus on the downside such as the incessant repetition in the 
media and even in academic journals about exaggerated failure rates and  biases 
such as overconfidence may disincentivize potential entrepreneurs, including 
those who are intrinsically motivated. When combined with financial incentives 
that increase entry that in turn increase exit, this tom-tomming of the downside 

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gains momentum and serves to  further increase the disincentives to start new 
ventures . However, training potential entrepreneurs to proactively control the 
downside, both in personal terms and in terms of the opportunities they envision, 
will have the opposite effect. Beginning with affordable loss calculations and 
learning techniques such as bootstrapping and bricolage can not only encourage 
potential entrepreneurs to start ventures, but also cue in intrinsic motivation and 
even reduce  actual costs of failure, should failure  occur, thereby increasing 
potential restarts in the future.  
! Now consider the  possible impact of teaching these techniques not only to 
potential entrepreneurs but to everyone, as part of the broader education system, 
starting earlier rather than later in elementary to high school. What an opportunity 
that would be for the human species! The question facing us is not whether we 
can afford to take the plunge, but whether we can afford not to.

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Amit, R., Muller,  E.,  & Cockburn, I. (1995).  Opportunity 
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