ATROPHY:
Motivational hyperbole aside, atrophy is the idea that all things require effort to maintain and that nothing can escape the inevitability of decay. Successful investment will strengthen your assets, making them more resilient to the forces that seek to diminish them. The benefits reaped from a successful investment serve as both the building blocks on which further investments can be made and as capital which can be applied towards future investments. The purchasing power of the million under the mattress and the purchasing power of the million in the bank are both going to suffer from inflation, but only the money in the bank is earning compounded interest with which to offset inflation's decay.
Compounding is an important concept, and it's very interesting when applied it to opportunities. A person who passes up an opportunity isn't missing out on just that opportunity - they're missing out on the compounded opportunities that could've arisen out of that opportunity.
This is the reason for the "your comfort zone is hurting you" motivational speech. People who are willing to invest in the ample opportunities that lie outside their comfort zone reap the compounded benefits of those opportunities. When those people are your competition for a positional good, such as attractiveness, your position will decay if you're not willing to get off your butt and take chances. Many fields in life have advanced to the point where to the point where it's impossible to be truly competitive without years of compounded opportunities bolstering the skills you were born with.
OPPORTUNITY COST:
The basic idea here is that by electing to do one thing in lieu of another, you lose out on all the compounded opportunities that would've been available to you if you'd made the other choice. A statement like "WoW wasn't cutting into my social life" is nonsensical from an opportunity cost perspective: the time you spent playing WoW could've been spent making phone calls to old friends or late-night socializing with all the new friends you could've met.
Everything you do cuts into something else you could've done.
I hope people find this helpful - it was certainly helpful to me to codify and express it.


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