Good-Person
Captain Junkie
If they can own a business but can't take risk then two things happened: they will keep working for people that can take the risk, help the bank to grow their business and also die as a coward. They say a coward dies ten thousands before his/her time.
I do not think that it would be wise to call people coward. i think many investors do not want to take risk because they are prudent or they might have a bad experience in the past when it comes to investing money.