There are pros and cons to either decision. And I also think the decision is made way too early. These kids are forced with huge, life altering decisions before they are 14 - Go "Pro" or take the Collegiate path. Either way, there's a good chance you are leaving home at 15 or 16 and being sent off to live as far away as overseas to live with billets, or going off to school a few years later.
And once you make the decision to go "pro", you have ended any and all chances of NCAA eligibility.
And yes, the risk is there that you purse the professional course and you endure a career ending injury and have nothing to show for it; or you make a very good living for the next 10-15 years.
While on the other hand, you can take the slower course and at the same time receive a free education at a prestigious university.
Some of the more successful players to come from the NCAA ranks have left their tenure early to join their pro teams, while many have made the jump from CHL to AHL/NHL in 2-3 years.