Perspective matters. Economists point to the phenomenon of hyperbolic discounting, and that in turn depends on the time horizon of the person choosing to take the risk. We are seeing young people engaging in risky behaviors not so much because they think they will get away with the behavior but rather because they think they will have adequate time to recover and then go on with their lives. One of the things we are learning with COVID is that it leads to dysfunction in many if not most body systems. Another thing we are learning is that these dysfunctions are not quickly reversed. A third thing ... one that cannot be yet known...is that some of these dysfunctions may never be reversible. How one uses that information in the calculus of risk varies with age and with stage of life.
Before we were married, we were inner-focused--what's in it for me? Early on, we learned to focus on what was good for the other person. (We observe that such focus is foundational to the LS.) Together now for 45+ years, we are always looking out for each other and for our shared future, recognizing that interdependence is key to independence at our stage of life. (Isolation and loneliness are significant predictors of poor health and death at our stage of life. )
We are hoping, like PeterJ, for at least a couple more decades together (we are in our mid-late 60s). Indeed, we are building our forever home to age in together, and gracefully. We have made deliberate attempts to engineer unnecessary risk out of that build. That does not mean we are intolerant of risk. It does mean that we are far better at anticipating and managing risk than we were when we met in mid 1970s.