> Most software that requires hiring and paying software engineers has low risk tolerance:

I think a few of the industries listed like defense and aviation have low risk tolerance. However, from my (somewhat brief) experience of working in two health techs for a couple of years, I strongly disagree that healthcare has low risk tolerance for tech. Granted, they make run-of-the-mill CRMs, but I was baffled at how tolerable it is to have egregious user experience that makes users waste multiple hours per month with clerical work that is very painful because the UIs are very slow and buggy.