It it is my understanding that it is fairly well accepted that people are, in general, not great at assessing risk.
This, then, appears to be a dispute over how an individual wants to interpret "we know what the risks are at least to a general level," in light of the low average quality of human risk assessment skills. Alternatively, it could be a dispute over whether the average skills are actually that bad.
In either case, in keeping with the history of this thread, I suggest more people join in and we ensure the argument on this minor technical point continues for at least a week or two, with no one giving any ground at any stage.
People are bad at risk assessment in terms of like, "future planning" and stuff. We also love doing risky stuff. We also tend to recognize immediate risks in an area of professional competence.
Do I expect an adventurer to assess the long term risks of investments? Maybe not. Do I expect them to assess the risks that fall within their areas of competence? I darn well hope so.
Maybe this is coming from a place of like, being constantly involved in institutional and low-level risk assessments in a professional context along with people who stress situational awareness.