I agree but I think many of us are paralyzed even in the face of tiny risks or even imaginary ones. I have an idea for a 20 hour solo software project and besides the usual resistance of sitting there and getting it done, one of the barriers is the thought "what if people don't use it much" or what if "my wife doesn't get what I did it" and stuff like that. These are quite paralyzing feelings that are not really rational, I stand to gain more than I stand to lose by doing this project, and yet my mind has settled on the risk being about as high as the reward. You could say this is just me but I think many many people are like that.