The correct answer is the second one.
Prufrock does not take risks. (He wonders if he even "dares to eat a peach" because he fears the effect a peach might have on his digestion.) His days are ordered and similar; he measures out his life in coffee spoons.
He does not consider himself attractive or adventurous; nor does he attribute his failings to bad luck. Quite simply, he is unable to take risks.