There’s a fine line between being stupid and being canny. In the business world, many decisions are approached with the goal of minimizing risk, and a large part of that is because we don’t want to look stupid. We don’t want to lose, to fail, or be held accountable for a negative outcome. Therefore, businesses tend to be very cautious.
But you don’t get much of a reward without much of a risk, so the goal is always to risk the least amount for the most reward. The problem with this approach is that it stymies creativity and initiative. You can get a little reward with a little risk, but you can’t blaze a new trail.