I think the definition of a risk is very relative though. If someone is barely making ends meet (with no signs of improving their situation if they keep their same routine), then taking time to educate themselves (a vocation school, getting resources on how to stretch a dollar, etc.) may seem like a risk. When you don't have education, time, or money every decision you take on your day to day is a risk.
I'm not going to pretend that some people don't thrive when looking at the poverty void -- they are the exception to the rule. There are also those who coast on gov't funding. There's probably many reasons why someone would coast, but if I'm in a system that has so thoroughly forgotten about me since birth (e.g. not having any opportunities for better education for one), why would I want to partake in it? I think the cost of a few people not trying to make changes for the better is by far outweighed by helping those you need support in their most desperate time.
It's not about giving people a safety net when the have moonshot ideas to start a business. It's to have a safety net when they need a bit of time to improve themselves, which when you have little time and money is a huge risk.