Balderdash! Inflation and risk do not round to zero for wage income - wage income for the most part is NOT indexed to inflation and is certainly NOT guaranteed.
Whether or not your wages increase with inflation is an unrelated discussion.
As for risk, if you buy something, then you go bankrupt so you lose it all, the state doesn't pay you the negative capital gains tax from your losses. That is the risk part that workers never have to deal with, there is no such thing as negative salary but negative capital gains happens all the time. You can't cancel out those losses if you didn't make profits elsewhere.