This is a brief article on the concept of risk management,defined in Wikipedia :Risk management is the identification, assessment, and prioritization of risks followed by coordinated and economical application of resources to minimize, monitor, and control the probability and/or impact of unfortunate events or to maximize the realization of opportunities. There are additional resource links at the end of this article.
Civilizations and groups have used risk management techniques and strategies for hundreds of years. In fact, civilization itself is a form of risk management. So why then do conservatives and especially libertarians despise risk management so much; especially when they themselves employ, use and benefit from it?
And how does an attitude of “lets pool risk when it helps me but not when it helps you” equate personal responsibility in the minds of some?
It sounds like you need to learn what the term ‘risk management’ means.
For example: the idea of ‘pooling risk’ is an example of the risk management strategy called ‘transferring risk.’ The most common means of transferring risk is to contract with another entity to insure against the consequences of the risk.
Another method of risk management is called ‘avoidance.’ An example here would be to move a building at risk of flooding to high ground.
Also you have to remember that there is also a strategy of managing risk called ‘mitigation.’ Mitigation does not prevent the adverse event from occurring but instead minimizes the damage/consequences. An example here would be fire alarms, fire sprinklers and training your employees in how to respond to a fire.
And finally there is the risk management technique called ‘acceptance.’ This is where you simply accept the fact that an adverse event may occur but take no action. An example of accepting a risk would be when a company decides that the cost of preventing the loss of something is less than the cost of replacing it. An example here would be pens and other low value office supplies.
In fact your own example appears to be based on the idea that people and organizations use the strategy of acceptance of risk and hope that the government will bail them out from the adverse consequences if the risk is realized. This is not ‘risk management’ as much as it is not being responsible.
In summary – conservatives and libertarians are more likely to employ risk-management strategies as they are more likely to accept responsibility for their own situation. Liberals are more likely not to use risk-management strategies as they will hope to get bailed out by others.