I suspect the risk aversion has to do with social anxiety that accompanies the tendencies to exist more and more in virtual worlds. Instead of physically going

I suspect the risk aversion has to do with social anxiety that accompanies the tendencies to exist more and more in virtual worlds. Instead of physically going out to interact with people, you can do it online. Instead of going on a physical adventure, you can play a video game or watch a movie. All of these carry almost zero physical risk, but more so, as we move away from the physical into the virtual, the mental muscles that power social confidence deteriorate due to lack of use, giving rise to social aversion and loss of social skills.