Unsophisticated or unskilled people better not risk it with running full masternodes. It's a hassle of running and securing them and yet your coins are in constant risk. Think about shared/crowdfunded/managed masternodes if you don't have the skillset to admin your wallets.
Not true at all. There's nothing risky about it and setting it up is quite easy. What constant risk are you talking about?
Constant risk because your coins are on a server that's connected to the internet 24/7 with open port, there are cracker programs running all the time scanning for servers and trying to crack their login, not to mention 0-day attacks (altho less likely)