The problem, like with many things in life, is that there’s a desire for people to place clear delineations on things for purpose of clarity and peace of mind, when it actually exists on a very fuzzy spectrum. I’d argue you do gamble a tiny percent chance of getting in a wreck every time you drive in exchange for getting places much faster. Likewise, were you to walk instead, there are unique risks and payoffs associated with that choice too.
Whether or not the risks are well known or there’s a decision to increase the level of risk is a little beside the point. There are plenty of people addicted to gambling who genuinely believe they’ll hit it big and retire one day, and that the reward payout is inevitable even when it’s clearly not.
Just ask them to answer your question in the style of a know-it-all Redditor because you need the dialog for a compelling narrative or something