SRPs exist as an incentive for members to participate, and yes, the group does the protection, planning, execution and ship replacement. A group of human beings. Guess how those groups of human beings became so sufficient that they are able to support the group as a whole? Hint: CCP didnt just give them trillions of isk and sov. They had to become self sufficient before they became sufficient enough to help other people out.
And yes, theres nothing wrong with minimizing risk. EVE is all about minimizing risk and maximizing outcomes. But thats different from being risk averse and asking CCP to change the game so that the risk is lowered. Theres a difference between minimizing risk yourself by being smart or spending ISK or being careful, and minimizing risk by asking CCP to plznerf plzhelp this is too unfair i should autopilot through nullsec and be perfectly safe.