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Not taking risk is one of the main reasons most people never get to truly experience life before it's over. However, there are situations where taking risk can actually destroy your life, especially when it involves physical danger. Proceed with caution.
Fair. This one usually pertains to lower risk decisions tbh. Stuff like what to have for dinner or how to spend the day off. And specifically when you otherwise wouldn't have a preference. But quite often doing nothing is the greater risk in high stakes situations too. In any case, better to have your ice cream even if it's not your favorite flavor, than none at all. That is, as long as you're actually going to eat it.