I agree with all you said, but consider that humans in general are terrible at estimating risk. I believe being an entrepeneur is not that risky, and being an employee is not that safe either. The main problem that I see about seeing entrepeneurship as unnaturally bold, risk-takers, creative intelligent people, is that you dehumanize the no-entrepeneur person, in such a way that's very easy to exploit them, because, they are like cattle, non-risk takers, and deserve it, right?