I think caution is advised at applying these studies broadly, as you are doing. Not only are they done on WEIRD populations, but a limited subset of that grouping.
The same pattern holds anecdotally in many other cultures I'm familiar with (Indian, southern African). Do you have any anecdotes or other evidence suggesting women are equally or more risk averse than men?
I can't say that gender doesn't play a role, and it would make sense if gender were a factor, but I don't see how it could be anything close to a dominant factor.
...I don't see how it could be anything close to a dominant factor.
Suppose it were a dominant factor. How would the world be drastically different than it is today?