One reason you should avoid taking risks as a driver is: a. all risks have the potential to cause deathb. there's no way of knowing what is dangerousc. the payoff of most risks is insignificant

The answer is A. 

All risks have the potential to cause death as a driver. You can harm yourself, others, or both when you take risks on the road. No one can predict what could happen next and when you drive, you do not only need to consider what you would do. You have to understand that behavior of other drivers and pedestrians is unpredictable.