I don't think "simple risk management" and "cowardice" are mutually exclusive, and I am deeply offended that you are accusing me and Jake and others of dishonesty for expressing that opinion. I understand the desire to defend yourself (however cowardly you may be) but I do not believe that desire justifies launching personal attacks on the integrity of those who disagree with you.
Indeed, it's rather ironic to hear someone justifying cowardice setting themself up as a judge of the integrity of others.