> becomes worth it to risk the ship

There are a lot of human beings on those ships. It strikes me as awful that their lives would be risked under these circumstances, and that happening wouldn't really be a proper solution to the overarching problem. It would be something of a tragedy if things got so severe that the risk was assumed worthwhile and presumably, people on board were exposed to it outside of their will or control. I suspect many of them don't have a lot of options.

100 people will die on American roads today, and another tomorrow. Most of them die because they commute to work because a lower paying job closer, or a smaller dwelling near their job, isn't that appealing. Another portion will die because driving aggressively and fast seemed fun. Another portion will die because they like alcohol more than safety.

People kept sailing past the Houthis even though some ships got attacked. They sailed past Somali pirates too. So ships obviously tolerate some level of risk from violence.