If you have a plan, and it fails, at least you tried. Not taking risks will get you nowhere. It's the risk takers who move on to accomplish great things. The 'It's not worth the risk people' will always be around to throw a wrench in your plans, and cause you to doubt yourself. Don't let negative people block your path to success. If they laugh at you when you fail, get back up and take another risk. If you are taking risks, you will always be ahead of the naysayer, because he is usually sitting on his hands accomplishing little to nothing while you are learning from your mistakes, and growing, and turning failure into success.
Learn from your mistakes and march on.