My remain vote was based on risk assessment too.
The possibility of a civil war in Europe is extremely remote, there is as much chance of having one here.
The Italian and German banks? Well if the worst happens they will be bailed out using the new EU laws which stipulate that risks of bailout have been moved from Government to shareholders. Basically the new law stipulates that 8 per cent of a bank’s liabilities must be wiped out before any taxpayer support can be provided. This reduces the risk of a Lehman like situation or an RBS one, and means that if bailiouts are provided they will be smaller than in 2008.
"How did Remain voters evaluate that posdibility and conclude that there was no risk in remaining bound to a potentially sinking union?"
Well as the UK was guarenteed not to have to provide any money for bailouts through the EU there was some protection in there if there is a failure of the EU. Even outside of the EU if there is some kind of massive implosion we would still be liable under our membership of the IMF.
A failed EU inside or out would be a disaster for Britain, but the way you have presented it here is that out of it we are unaffected, which is either credulous or disingenuous on your part.
Also the likelihood of the EU imploding is also remote.
Using a risk/probability analysis there were far many more risks which are more probable from leaving the EU for the UK than remaining.
I'd write more but I want to see a response to this. Your original post however rather hyperbolic and not a firmly reality based analysis of the situation.