wow, lots of theories and a lot of them from men. If you really want to know why women don't ride, ask them! And try not to impose your interpretations on them
Well, I s'pose if the OP only desired female input, s/he'd'a stated that in the initial post. As is, I s'pose I feel as qualified as any to offer an opinion, for the OP to weigh based upon gender, or not, as s/he pleases.