I'm not insulting people who hate risk. For the stability and health of society, it's good that most people are that way. We need people who shake their fist at anything new or different to keep us sane (people like you it seems, from your laundry list of frustrations).

But we also need the people who do like risk taking and new stuff, and there's less of them. So innovation is much more of a fragile thing than stasis.

Even if you think society and human life in general can't be improved in any way, to just maintain the way things are now...will require many new innovations and people taking risk on new stuff. Your welfare, lifestyle, and security depends on the risk taking of others. So we should probably be careful about making it too hard for the folks taking risk (it's already hard enough).

Trust me, the risk-averse folks will still be the dominant voice either way. Even this forum--which started as a community of risk-taking entrepreneurial types--is now dominated by the risk-averse majority.