All the economic evidence of risk homeostasis, and general consistency around the subject, suggests your preferences writ large are at odds with and part of a battle with human nature. That's fine for an opinion but the implications are pretty dire for interventions - like squeezing a balloon there will inevitably be side effects.

Not trying to diminish the consequences of said risks.

A successful strategy probably involves accounting for and maybe even improving the competing economic interests rather than picking one and stifling it.