> And why the hell would anyone want a job where a mistake results in personal ruin

We are talking about the sort of job where you are paid ludicrous amounts of money. The sort of jobs that usually come with massive golden parachutes

People earning more money in a year than most people earn their whole lives should be accepting a much higher burden of risk

Very true. If you don't want to be exposed to such rich, you're free to work elsewhere. No one is forcing you to take on these jobs that immiserate society.