why should there actually be more risk for a pve crafter? There is little risk because there really is little risk. If you're going around in the wilds looking for fights there is more risk, obviously.
Why should an artificial risk to quietly staying at home be created?
Join the army = increased risk.
Get involved in street fights = increased risk
Stay at home and make baskets = low risk
its the way it should be!
and this part of the OP is most relevant - risk placed with the person who CHOOSES to defend crafters.