Sex carries 'little risk of harm'? Do we live in the same world?
I think your definition of risk is rather narrow.
Going out, finding a wife, grinding at a job, taking a mortgage, starting a company, not starting a company - all risk.
You might be able to claim that physical risks are harsher and less expected, but getting a mortgage, having children, getting married, a lot of the good stuff in life entails risk because you're making commitments that are extremely difficult or impossible to walk back if you don't want them any more.
I think your definition of risk is rather narrow.
Going out, finding a wife, grinding at a job, taking a mortgage, starting a company, not starting a company - all risk.
You might be able to claim that physical risks are harsher and less expected, but getting a mortgage, having children, getting married, a lot of the good stuff in life entails risk because you're making commitments that are extremely difficult or impossible to walk back if you don't want them any more.