You know what happens to people who fear major consequences for every action? They never take a step at all, or they lose their mind and sprint off the cliff. 

I would argue that ‘overly cautious’ is just as dangerous and deadly as being ‘too risky.’

Case in point, think about drivers on a highway. Who’s more dangerous? The person driving 95 in a 70 (25 over), or the person driving 45 in a 70 (25 under)? Saying the 95 is risky and potentially out of control is easy, but the person driving 45 is equally as risky and dangerous.

Simple discretion is sufficient.