To be clear, I'm not saying that taking some risk will not *probably* work out better in the long run, or even the short term. I'm taking issue with the implicit criticism by the "any idiot can make 7%, that's nothing!" crowd to those that are risk-averse.
It's one thing to claim the risk is small compared to the reward. It's a far different thing to say there's NO risk in something that is by its very definition more risky. For that matter, low-risk isn't the same as no-risk, either - there's always risk in investing, even in land or other assets that some claim can never lose value or become valueless. Deciding how much risk you can accept shouldn't just be glossed over as timidity versus good sense.
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Better educated sadness than oblivious joy.
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