> It's losing your job + struggling strongly to find another one (considering loss income while searching, stress, ...).
This is what severance clauses are for.
> Or workplace injury / death.
This is what insurance is for.
That was exactly my point. They are part of your compensation package. Surely there is a risk that the severance is not enough to cover for coping with a depressed job market.
Investors operate outside of these parameters. When it works out well , lucky you; but if it doesn't work you lose. The parameters to make this a worthwhile venture must be set so that the reward is higher than when you risk less.
But the employee's time is a replenishable resource (1 second per second).
The Total risk is not losing your job. It's losing your job + struggling strongly to find another one (considering loss income while searching, stress, ...). Or workplace injury / death.
An investor, while facing low to none risk of workplace injury / death, can permanently lose the investment and won't recover it ever (hopefully the investor hedges it with other investments)