Absolutely agree with this point! You also raised another interesting idea - since we don't know when a giant impact or similar catastrophic event will occur, we can't categorize it as a near-term risk or long-term risk. It could happen anytime within the near to long range. How are risks on that broad time scale defined?
Actually, my understanding is that astronomers have a pretty good idea of where all the dino-killer asteroids are in the solar system and that none of them are a problem for at least a century. Comets are more of a risk, though not much of one. That much is known at least. And similarly, the Yellowstone volcano is a bit over-hyped. The most likely disasters are a pandemic (seems quite likely now.) or a large coronal mass ejection aimed at the Earth, but those would primarily affect humans/technology, so again they might actually be good for the overall ecology.
There have been mass extinctions before, but it's a thing that happens once in awhile in geological time, so not really something to keep us up at night. Really human caused disasters - climate/pollution, nuclear weapons, rogue AI, are the things that are likely to get us.
unfortunately the world is growth and consumption hungry and we don't want to do anything that compromises wealth creation, even reduction targets are deeply resented, let alone actually achieving sustainable consumption levels.
Nothing in the universe is truly stagnant, and that applies to businesses. If a business is growing productively - meaning its revenue is growing faster than its expenses - then it is a net value creator. The more value a business can provide at a lower cost than other entities, the better all of humanity is.
If there are 5 companies, and 1 starts to do something wildly cheaper and better than the other 4, then we reallocate to that one and let the others die off (bankruptcy, acquisition, merging).
We like growth as a species because we always want more needs met at a lower cost. Then we can redirect the resources of less efficient firms to more productive ones. Onwards and forever.