The chance to fail

Sir: Matt Ridley’s article ‘Risky business’ (1 February) offers a variety of reasons why innovation has been stifled in Britain for too long. As an educator, I would like to add two factors that I encounter on a regular basis: the tremendously suffocating grip of insurance companies, which turns the safest idea into a discouraging risk-assessment exercise, and the desire of parents to protect their child from any failure.