I think there is to many factors to consider and everything is a lot deeper then just risk taking.
Country history, traditions, cultural mindset, access to money, access to knowledge, family, etc.
I will try to describe one scenario going in two ways, from a entrepreneurship perspective.
The same scenario from other perspective could have totally different outcome.
I will take my own country - Lithuania. In history, country had a lot of wars, occupation, socialism, a lot of smart and perspective people were taken out of country or killed. So we could say, country had a "reset", (again, from entrepreneurship perspective) and almost everyone was an employee or working their own small farm.
~20 years ago, some people started their own business without any long term traditions of entrepreneurship, most of it was buy-sell. Others gained their property and wealth by privatization, but I will skip this, because it's the same as winning a lottery, you don't win entrepreneurial skills instantly.
So people who started their businesses, some started to think differently, maybe not all of them did a lot, but they have raised their kids differently. They thought their kids values of relationships, partnership, where money comes from (not a salary) , to be curious, try things, create things.
For example, I have a friend, who's father is building wooden doors, stairs, etc. So my friend was allowed to try things, work with materials and equipment, of course living side by parents and helping them, he learned the relationship owner-employee, to manage people, small business finances and social layers was not a problem, he didn't see other people in different layers as different. Other than wood and parents company, he learned to play with electricity, wiring, computer hardware. He was not rich, but enough for basic needs. And I took his example, because he didn't chose to open a company and be a big businessmen. Recently he got a job at a European institution, after some time (year or two) he managed to open his company and sold the same services he was working as an employee and by hiring other people he started to take over a lot more processes.
We (I grew up in a similar environment) had a very small group of friends who's parents had their small businesses, they are all more or less successful in what they do, and non of them are only a 9-5 employee.
So in sort - the GOAL is always to CREATE something, and everyone around is a possible partner, the rest will come.
Other scenario are people who's parents were employees. They were told - learn and you will GET(*) a job, and then you will earn a lot of money to provide for your family. Their daily life looks like this - 9-5 job, after work, maybe a second job, or festivals, beer, TV, maybe some home fixing, or tasks they cant do during the work hours. So they are thought, that they should sell their hours to work and get money.
As you see, the pattern is totally different, the life philosophy is different. One doesn't even know that other philosophy even exists. So to answer your question about access to money, is only partly true.
Because of you grown in an environment where people are using money to do things, learn how to leverage it, etc. You will live by this too. If you learn how to bake a cake and sell it, you will open a small home bakery and grow to big eventually if you choose to.
GET(*) - In my culture, this word is a pain kids are being grown on this, because of socialism before. After they graduate they think they will get a job only because they graduated and have a diploma. But don't understand that knowledge is only a tool, not a result. This started to change, hopefully everything will be ok.
I want to remind, I was looking from an entrepreneurship perspective, the same things could be really good for other results.