self control-portfolio concentration curricum 2 page 106 beh capital, long, control, problem

former

in Q12, self control is usually spending much, and they are looking at high dividend income rather than capital appreciation, how can it lead asset imbalance problem? since return for dividend is less than capital appreciation in long term, why answer says they are looking for higher return and risk?
by the way, can i say over-confidence may have asset concentration on sector and stocks and market netural may have asset concentration problem, self control also have asset concentration on sector and stocks?