On Point Published by On Point Wake Up Already, America's 'Complacent Class' Listen 45 min Queue Download this audio Want to embed this player? Use the code below. More info. <iframe frameborder="0" scrolling="no" height="130" width="100%" src="https://www.wnyc.org/widgets/ondemand_player/wnyc/#file=/audio/json/740840/&share=1"></iframe> Share on Facebook Share on Twitter Email a Friend Economist Tyler Cowen says Americans have become risk-averse, and it's going to cost us. He's calling out American complacency.