A life without risk is a life half lived.
I did plenty of risky things before I had dependants, the most risky being rock climbing at a time when the equipment was very crude compared to now. Anyway I was working 60-80 hours a week by then and never had time, so I wasn't going to be on a bike often - particularly since we would be going everywhere as a family of 4. OTOH my grandfather uised a motorcycle and sidecar as family transport for 4 of them for many years.
I am an old fart now. I do have a convertible 2 seater for fun in summer but I have no interest in riding 'bikes now.