This is not an argument against allowing the freedom of choice of how to spend my money and time. If I want more risk, I should absolutely have it. What you're saying is like saying "if you surf and get bitten by a shark, you would start reconsidering your attitude towards surfing, thinking maybe you shouldn't have gotten into the water in the first place". Should we ban surfing on the grounds that some people may actually regret it?

The point is to allow people to make their own choices. What you're advocating is depriving people of the choice of how to spend their money and manage their risk/reward options.