it is possible to risk little and win big in this world

Possible, but highly unlikely. Look at small business, for example. The number one reason for failure is the lack of capital during those first few years. More capital = more risk, yet more capital (and thusly, more risk) is necessary to have a shot at succeeding.

One way to minimise risk is sweat equity: The more work you do yourself, the more risk you can alleviate. Taking out a business loan to hire app developers for software can be negated if one were good enough at programming themselves, for example.

Another way is to have money set aside specifically for the risk being taken. We're talking money that you could lose without losing sleep. It's a tough one, but it's possible.

has human technology outpaced cultural development?

I think there are places on the earth where it has, and places where it hasn't.  And that where it has, it's largely got to do with the level of education of the people -- where the population is largely uneducated, there's often a fear of many kinds of technology, and apparently (though seemingly contradictory) more willingness to use it for harm rather than good.

Not that the more educated places always use technology for "good" -- the number of weapons we have that can seriously harm the planet show otherwise.  

Overall we're like young kids with new toys, and we're still figuring out what to do with a lot of them.  That's both wonderful and worrisome -- hopefully we'll all mature more together before we do real damage to ourselves.  But I don't think that knowing how to make advanced technology is inherently "bad" in any way, we just need more rational thinking about how best to use it, and less fear of the unknown holdovers pushing us in harmful directions.