Exactly.
I believe someone's risk tolerance in aviation is inversely proportional to the amount of liability they must concern themselves with in their professional lives and also inversely proportional to how much they have to lose.
Of course there are innumerable other factors. Some guys just do not worry about anything while others obsess over minutia.
Incidentally, I do occasionally fly Young Eagles. I have decided that the risk is worth the benefit to myself and aviation. I do not fly low anyway but I do carry some extra altitude in these circumstances. Just in case the fan stops.