Risk takers are just that, risky. The entire banking system got burned taking risks recently.
Many people are shy away from risk. I know this guy that makes more money on his website (part-time) than his 9 to 5 job but refuses to quit. He doesn't quit for two reasons:
1 - He's more than doubled his household income.
2 - He's worried that his website's income stream is too risky.