To be alive, an entity must be autopoietic, that is, it must actively maintain itself against the mischief of the world.
Life responds to disturbance, using matter and energy to stay intact.
An organism constantly exchanges its parts, replacing its component chemicals without ever losing its identity. Perhaps, as Margulis and Sagan believe, our species will evolve to compensate for various risks. Even so, I hope that the discipline of risk management can help speed the process, accelerating the learning curve so that we encounter fewer disasters along the way. I take risks when I must. You cannot do business without taking risks.