While watching TNG, I eventually came to the conclusion that the Enterprise
's missions were probably atypical of other Galaxy-class vessels and that her sister ships rarely encountered the kinds of dangers that she did (I doubt the Galaxy-class ships we saw during the Dominion War had families aboard, but the Yamato
and the Odyssey
probably did, though--but the tragic fates of those vessels are more indicative of the inherent dangers of space in general, IMO).
I think that any civilian that chooses to be a passenger aboard a starship or any Starfleet crewmember who brings their family with them accepts the risks of being in an untamed frontier just like the pioneers and colonists of old did.