This is a great example of the perspective disconnect.

In trades, the risk is usually not financial. I come home every day smelling of petrochemicals, with minor to moderate injuries, having been on my feet for 8 hours, sometimes up on ladders with greasy boots on, climbing on, into, and out of machines that could maul me without even making an unusual sound, and carrying 100lb sharp steel parts up stairs because it’s more efficient than waiting forces the shop hands to do it.

While the risks certainly have financial components, they’re more “get cancer, brain damage, lose a limb, or maybe even your life” risks. Risk averse is career death.