People do definitely use their spouses and children to avoid taking on risks, but the fallout from a failed start-up can be devastating and many parents would (

People do definitely use their spouses and children to avoid taking on risks, but the fallout from a failed start-up can be devastating and many parents would (very reasonably) wish to shield their kids from that kind of instability. Especially if you're not in a financially secure place to begin with. It's tough to suss out when a person is or isn't be too risk-adverse in general though. It may be impossible, in fact.