They dont because if they are poor then they can become prostitutes!
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The higher the risk the more return you could possibly get. The lower risk investments usually do not make you as big of a return.
At the risk of being tautological, the answer is SPHERICAL.
One definite drawback is that it is usually derived based on historical data and does not take into account future factors.
A bank's assets weighted according to credit risk. Some assets, such as debentures, are assigned a higher risk than others, such as cash. This sort of asset calculation is used in determining the capital requirement for a financial institution, and is regulated by the Federal Reserve Board. Source: investorwords.com
Pretty slim in the US or most of Europe and Asia. If you are in Africa or the Middle East you would have a significantly higher risk. Still relatively small though, you're much more likely to die in a car acccident than from a random gunman.