What is "super high risk"?
What seems a very super risky for one person, may not look the same for others.
It all depends from you knowledge level, and from the viewing point perspective.
To me the biggest attraction, and biggest "risk remover" factor always was the fact, that BTC removes "the middle man"
That transactions can be trustless.
You can always influence the middle man. Be it individual, a group of individuals, organization, corporation, government. What ever.
Influence things by human week points: greed, love, fairs, selfishness, phobias, addictions, etc etc. The list is endless.
Try to racket, or intimidate, or bribe the algorithm, formula. Mathematics.
:)
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I do understand you r few to wards BTC and how this is much different to what we are accustomed with today, and may not like how its done today. But back in the days, even when BTC mechanism could be categroised as THE future way of handling money, it was still the question, will it be BTC or something else that will be the right technology.