> Who takes more risk, the worker standing 70 stories up on an I-beam with no health insurance or life insurance (couldn't afford it!), or the guy who borrowed money to start a business?

In the capitalist value system, the latter: he might lose (temporarily, at least) his credit rating and ability to acquire capital if the venture fails; all the other guy is going to lose is the life of a worker, and who cares about that?