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We take a risk when we drive a car, when we cross the road, when we play sport or begin a relationship. Risk is a part of life.
However ... Smart people calculate carefully before taking risks.
All of us come from a long, unbroken line of risk-adverse ancestors. The majority of our ancestors were not up for taking risks - particularly unnecessary risks - if they had been, most would have been killed or would have died before they had the chance to procreate - and we wouldn’t be here. Risk it for the biskit ... sure - but think it through first. Darwinian forces are real things.
Live an adventurous life by all means - but manage the risks when you can.