There's a bunch of interesting work in being able to manipulate risk tolerance on different timescales; which is an instance of key aspects of a person's life-strategies being "configured" by early exposure to environmental features. A nice account is this book, although there are some controversies.

(In healthcare, the lingo is ACEs -- adverse childhood events. It's foundationally the same evpsych ideas, though the healthcare people are too solipsistic to connect to the larger science, as per usual.)