When you attempt to avoid all risk, you end up avoiding life. If the fear of losing something paralyzes you into non-action, then in many ways you've already lost it. The skills you have are meant to be exercised. The knowledge you have is meant to be used. The resources you have are there to be utilized, not hoarded.
Unnecessary risks are foolish.
Irresponsible risks are reckless. Avoiding risk altogether is impossible, and in the attempt much opportunity is squandered. Rather than attempting to completely eliminate risk, look for ways to minimize it and to make it pay. Seek not to avoid risk, but to get the best possible benefits from the risks you take. Success comes only to those who accept the risk of failure.