[Fern]

It all comes down to anatomy. Women can have children. Men cannot. So as child-bearing creatures, women do tend to take less demanding jobs, or no jobs at all, because they are expected to, or want to, have children.

Men don't have to make what is often an either/or choice, as women do.

I don't believe that men are natural risk takers and women are not. It has more to do with culture and anatomy than any predisposition for risk.