[3143]

Humans are complacent and humans are risk-averse. Increasing reward and decreasing risk play to different aspects of human nature.

[Renaud]

True but that doesn't mean there is no place for those who just want to build a small business without having to sacrifice their personal life to it. Decreasing risk is also beneficial to society at large if a larger portion of people are allowed to build businesses that provide jobs.

There is also the thought that lowering the personal risk to you and your family allows you to take more chances with your business ideas and become more innovative.