Risk- if you are common you can't afford it, and if you can't afford it , then you are common

Risk, a four letter word, very common to all of us but yet so uncommon. Why we are afraid of taking risk. Why is it that we didn’t start lots of things just because we think we won’t be able to make it or we see a risk in that. This risk phenomenon is very common in middle class families like mine and I hate it.