Aarrrgghh. We would all prefer a diverse business model. But to make money we MUST optimize our business.
These two things are nearly polar opposites. Our real-world operation has to be a reasonable compromise. Which means that we very likely are going to not be as diverse as we would like, because it cost profit to be diverse!
Where we make that compromise is a personal choice that's easy to pick apart with 20/20 hindsight.
My 2 cents.