In Europe we do not have "safe places in colleges". It is an US phenomenon, that has nothing to do with risk aversion - on the contrary, it is based on the optimistic assumption that society is generally mature enough to own firearms and you only need to mitigate some "edge cases". True risk aversion would be to regulate the gun ownership, education and welfare the same way as it is done in Europe, where mass shootings are much less common.

As for the interest rates, I don't really get how do you connect wealth and loss aversion here. Interest rates are not taxing wealth, in fact lower interest rates are resulting in lower yields and even in the reduction of the capital (e.g. Germans keep a lot of savings on their bank accounts, yet they have to pay for this service now thanks to negative interest rates).