I can relate to this completely. I don't want to do things that are risky in the sense that they are unhealthy. I want to feel like I am living a fulfilling life by doing things like you said, such as traveling or getting into a physical/active hobby like rock climbing, etc. Funny thing is that to a more adventerous person, neither of those things mentioned are risky. But for me, being a social recluse with limited funds who never does anything exciting, it feels downright overwhelming. I want my life to change in a significant way and big changes always feel a little risky.