Ability to Tolerate Risk individual, therefore, maintain, Because, ability

Howd

Could this be a factor that increases someone's ability to tolerate risk?

-Could reduce living expenses (flexibility)

Could this be a factor that decreases someone's ability to tolerate risk?

-Wants to maintain real value of portfolio

...Because Schweser has listed them as valid answers in their 2010 Practice Exam 3 Book 2 #1.B...and I always thought those were just assumed to be true for every single individual IPS

So therefore, we can always put those two answers on the exam and get credit, no?