Examlex
Those who generally have a low willingness to take on risk are said to be:
Misdemeanor
A criminal offense that is less serious than a felony and typically punishable by fines, community service, probation, or short-term imprisonment.
Disturbing the Peace
A criminal offense involving acts that disrupt the public order, such as excessive noise or violent behavior in a public place.
Convicted
Found guilty of a crime following a trial or through a guilty plea in a court of law.
Felony
A serious crime, typically one involving violence, regarded more severely than a misdemeanor, and usually punishable by imprisonment for more than one year or by death.
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