The answer is that there is an inherent tradeoff between Risk and potential growth, i.e. amongst the "initiated" (like people engaged in active debate over these matters) the people who just want a simple life and a job are vastly underrepresented.
This isn't accurate at all. The people that have the capital to actually be able to achieve financial independence have much less marginal utility downside from an equal amount of risk than the average people that have a simple life and a job. For many people, taking that kind of risk can have vastly outsized impacts.
