Children learn the same way everyone does when they are completely free of others’ expectations and other interfering impediments to learning. They learn by wondering about something, thinking about it, finding out about it, perhaps reading about it or discussing it or looking it up on the internet, all driven by their own curiosity.
Ultimately, we all (including our children!) have to do what we ourselves think best, what feels right to us ourselves, not what someone else says is right. We are all moral agents in our own right. When we self-coercively override our own wisdom and do what someone else thinks we should be doing, we are acting wrongly by our own lights. No good can come of that. Treat this site as a source of speculative guesses and interesting arguments, not as an authority you should obey.
What if the thing that the child wants to risk is specifically a matter of not being able to easily get out of the situation? What if Jane wants to go pack-packing in the wilderness without a phone or radio? What if she does not want an escape route?
Unschooling or home educating parents often draw distinctions between what they are doing versus what a school teacher or homeschooling parent would do, but I often see little difference between schoolish educational coercion and what they themselves advocate. There is a pedagogical agenda in both cases.