There do need to be risk-vs-reward analyses done.

The place I worked in the early naughts went out of business because an "innovative" new service line ended up sucking up all the revenue from the whole company, all the credit the company could get, all the credit the owners of the company could get, and never generating enough income to cover its own costs per unit-time. The company went from 12.5-million/year and growing, to bankrupt and shut down, in about 8 months, because the senior management got too enthusiastic about the new service line and never stopped to consider "hey, this doesn't seem to be doing what we want".

Innovative new securities (housing bubble), innovative new business models (Enron), et al, do need some restraints on them.

Keep in mind, in reference to the Darwin quote just referenced, most new species go extinct. Over 99% of all species this planet has ever seen are gone forever.

So, play the innovation game, but keep in mind the cost of failure and your willingness to deal with that.

It takes early adopters and inventors to make progress, but it also takes accountants and more cautious people to make sure that we don't lose important things. We need both.