"Education is the path from cocky ignorance to miserable uncertainty."
19th century American humorist/author
I see this in my clients and often it's not as much a matter of education as it is experience.
Or lack thereof.
Those just starting out don't know what they don't know, not to mention what they should know.
And those, generally older, who do know, are scared thinking about what they now know they don't know.