Because what'll happen is, you'll find out that the type of risk you actually encounter ends up being tied to (say) the time of year in a way that you were not expecting, and now you've got this elaborate risk-plugin architecture sitting there, and there's no way to get the time of year down to the risk calculator, so you need to elaborately hoist out and redesign this entire gigantic apparatus, instead of just adding a parameter to a function call.
And meanwhile, as you were daydreaming your future hypothetical risks and trying to have an idea of what stuff they might need to know, you imagined that it might need to know what currency the thing is priced in to calculate currency-fluctuation risks, and so you're passing currencies all over the place, to be prepared for general extensible etc., but it turns out you never need them in your risk calculators anyway, so it's just this pile of unnecessary nonsense of setting currencies everywhere and you have to maintain all that.
And if you read those paragraphs and think "hmm, you'd probably want to make it extensible in terms of which fields are passed into the risk calculator to prevent that kind of problem" then realize that you are now solving a hypothetical problem that was caused by the "solution" to your first hypothetical problem, and you're three levels removed from delivering any actual value to anyone.
Forget about it. Don't plan for it. Plan for what you need today, because you will not be good at anticipating what you need tomorrow.