How do I get my players to take risks?

Howdy. I've been DMing my players for about 3 years at this point and we're all really close. Something I've noticed over the course of my time with them is that they're very averse to risk-taking. I've been pretty clear on my feelings about this; I want them to take more risks. I've told them as much. They still largely refuse to take risks to this day.

Me and my players had a conversation today and it's become clear to me that they just fundamentally do not see eye to eye with me when it comes to risk-taking; I enjoy players taking their own fates into their hands and treading from the beaten path and they don't; they told me pretty explicitly that if they're going to take a risk they're going to have to talk about it as a party first.

I have to be honest I really dislike that. I'd rather my players were adventurous and did things without asking that forced me to improv but I just don't think they will.

All of this to say what do I do? I really hate the idea of them having to have a round-table before they do anything remotely risky but if that's their plan then that's their plan right? I don't think I can be happy with this arrangement but I don't know if I can force their hand or incentivise them to take risks in a way that will keep the game fun and free. I'm at a loss and I'd really appreciate some advice from fellow DMs and players.