The best replacement for risk averse is adverse.

The best alternatives to risk averse are rated as following:
★★★★★  adverse
★★★★★  risk taker
★★★★  risk adverse
★★★★  risk seeking
★★★  risk neutral
★  risk seeker
★  risk tolerant
★  loss averse
★  risk tolerance
★  individuals more risk averse
  risk loving
  risk prone
  risk aware

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Google Trends

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risk averse
adverse
risk taker