I agree, but I'm going to go in harder.

The author seems to think that people have infinite time. Many points require an allocation of time that most people - in particular those with families and caring responsibilities - do not have.

Remove bad actors? What if the bad actor is the mother/father of your kids? What if they're a parent who requires care you/they can't afford so you have to do it yourself?

It's all so simple isn't it. 10 steps to banality.

It could be rewritten as "have enough money to do what you want without being overly concerned about the consequences, because you can make the consequences someone else's problem with your money"