When making decisions you have to realize that there are potential upsides to any decision (hopefully) and also potential downsides. Obviously a person has to weigh the potential upside (reward) vs the potential downside (risk).
The other thing people have to consider is can they live with the potential downside?
Even if the reward is potentially HUGE if the potential downside isn’t something you can live with, it’s probably not taking the risk.
Have a great day!