You know, the main thing that I think ought to be needed is a "Character judgment testing and exercise" section on KS where you can go and learn some of these life's lessons without losing gobs of money...

But then I guess the lost gobs of money are what really make the lesson stick. ...Or stick too well, I'me afraid there might be people who completely lose faith in capitalism due to excessive failure at Kickstarter pledging.

Or just read some Steinbeck and Faulkner and get a sense of how people work (or don't) in desperate situations (and how they get in those situations) without losing all the money.