One of them punishes hubris instantly and teaches you the lesson while you can still use it. The other compounds it quarterly and mails you the lesson at 65.
- Death in Elden Ring: immediate feedback
- Bad fund allocation: feedback in 30 years
- Runes lost: recoverable at the spot you died
- Fees: recoverable never
Margit killed me forty times and I thanked the game. My expense ratio did the same thing slower and I never noticed.