We completely understand your desire to protect. You are a parent after all, like the rest of us. But I think what most are trying to say is that some parents' desire to protect is teetering very close to obsession and irrationality. Our sons and daughters need to be allowed independence (by allowing them to take risks) at this precious stage of their life or they will never learn it. They will never learn their own abilities and strengths (and weaknesses, which is just as valuable). They will fear everything because they were taught things like if they enter a bathroom alone, they will surely be assaulted. We need to teach them how to be safe, teach them how to protect themselves but then let them learn it. For example, even if we teach our children how to safely cross the street but then spend the next 10 years crossing the street with them because we don't want them to take "an avoidable risk", they will never actually learn how to cross the street alone. Our job as parents is to teach our children the skills they need to be functional adults.
As mentioned before, "Too safe for their own Good" is an incredible book just for this topic. The author tells of the time he was at the park with his kids and watched as a little girl bravely climbed the jungle gym and as she reached the top, she proudly shouted at her mom "look at me mommy!" Her mom, rather than being encouraging and proud of what her daughter learned to do, freaked and ran over, shouting for her daughter to be careful, to not fall and that mommy would come save her. The little girl, seeing her mothers panic, started to see not her accomplishment but new fears like falling, and getting hurt and panicked herself. After her mother "rescued" her (of course feeling that she was "helping" her daughter), the little girl refused to go on anything else. She hung back in fear. The author wondered how long it took for that girl to ever get back that confidence and pride she felt for that brief moment. How will she now ever learn her limits, the dangers, her own strength and ability if her mom didn't let her try things? It's the same idea with things like this. If you teach them fear, they will learn fear. If you teach them confidence, strength and safety and then let them try, they will learn that.