Many choices are binary: you either do crime or you don't; you either use drugs or you don't; you are either an employee or an entrepreneur; you are either a citizen of country X or country Y.
I disagree, both in general and specifically. All your examples are actually not binary:
seem to be few options to go 10% crazy
I don't see this as true. Extreme sports, backpacking in Guatemala, Burning Man, weird hobbies, etc. etc.
What you may be pointing in the direction of is that if you are enmeshed in a web of routines and responsibilities -- a wife, a kid, a mortgage, a stable social circle, etc. -- breaking out from it is difficult to do partially. You either need to slowly and carefully ("safely") rearrange that web, or you need to do a Gauguin and set off for Caribbean or Pacific islands.
Congratulations on defeating my argument using mostly non-central examples.
(By the way, you can also get 90% of the university diploma, if you just get the diploma, and then tear off 10% of it; or copy it on a printer that uses less saturated ink.)