Personally, I am less likely to take risks as I age because I have invested more in myself over time. It seems natural to value that which you have dedicated money, time, and effort. Before adulthood that investment came primarily from my mother and she valued my life waaaaay more than I did.

I get that this is a dissociative POV.

So often these discussions are about youthful feelings of immortality, more courage, foolishness, etc., but that never rang true personally.