Thoughts on Ecclesiastes

Was flipping through the Book of E today and picked up some verses I hadn't really noticed before.

Guard your steps when you go to the house of God. Go near to listen rather than to offer the sacrifice of fools, who do not know that they do wrong.
Eccl. 5:1

What does it mean to offer the sacrifice of fools?
What might be an instance of a believer being ignorant that he is doing wrong?

Suppose (just hypothetically) the music team stands in front of the congregation each Sunday, believing that they are leading the congregation to draw closer to God.
But they come with a can't-be-bothered attitude, rock up to practice late, are spiritually unprepared and distracted by their gadgets and social interests, walk out of service midway just because they are bored by the sermon...
And they have no idea they are doing anything wrong.
Nor do they welcome being told that their behavior is inappropriate.

Does this put them at risk of offering the sacrifice of fools?

Do not say, "Why were the old days better than these?"
For it is not wise to ask such questions.
Eccl. 7:10

Every generation loves to talk about the good old days and to compare how things are now with how they were "in my time".
And every generation believes things were better in their time.
Modern life is too hectic, too stressful. We are plagued by diseases and disorders that were never heard of in our grandparents' time etc etc.
This looking back has been going on since (or before) King Solomon's time, so he has much wisdom to offer.
Why talk about the good old days when we could be doing something new, something better, something CONSTRUCTIVE, with the present?

Wisdom is a shelter as money is a shelter,
but the advantage of knowledge is this:
that wisdom preserves the life of its possessor.
Eccl. 7:12

This is the first time I have heard money described as a shelter.
Which in a sense it is. (Think "tax haven". Similar metaphor?)
It clothes, it protects, it keeps out discomfort, it cloaks us with respectability and status.
Money has the potential to keep us in a comfortable place.
But it does not guarantee life or health or spiritual/emotional well-being.
Having said that, the rich man may have a better chance of getting life-saving treatment than the average man when faced with the same terminal illness.
And money can enable one to physically escape to safety, say as a refugee or asylum seeker.
So what does King Solomon mean when he says that wisdom preserves the life of the one who has it?
In what way is wealth unable to preserve and protect my life?
In what way is wisdom and knowledge able to preserve and protect my life?