In the absence of resources and desire to provide strong safety nets, such as the education and tools you describe above, one way is to just prevent people from doing it.
I agree with you, I'd rather have more freedom to experiment and take risks. I also don't want people to fall to their physical or financial death.
Actually, there's a book that kinda talks about this idea called Care to Dare by a former hostage negotiator named George Kohlrieser. I took his leadership training seminar and he strongly suggested that to encourage people to take risks, we must first build secure bases for them so they feel safe enough to go off and explore knowing they can come back home.
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