Where exactly do you draw the line for what's an "acceptable" risk and what isn't? After all, either I trust God or I don’t, right?
1 Cor 6:12: (AKJV):
"All things are lawful to me, but all things are not expedient: all things are lawful for me, but I will not be brought under the power of any."
(NIV):
"I have the right to do anything," you say--but not everything is beneficial. "I have the right to do anything"--but I will not be mastered by anything.
Living the redemptive life does not require daft acts of stupidity--God gave us minds and reason. Living the redemptive life means faith that He will care for His sheep. It also means, "If the Son has set you free, you are free indeed." (John 8:36) Free from fear, from sin, from the convictions of this fallen world. Grace.
The spiritual life is not a theory--we have to live it.