Clearly, the owners and the players are being greedy.
As far as risking the health thing goes, as compared to basketball, football and hockey, playing baseball does not risk the players health any more than any other individual risks their health when he/she elects to venture out of his/her house these days. In Korea, they have been playing baseball for than a month, and no player has testified positive. Unlike the other major team sports, baseball does not require close personal contact. Plus, unlike basketball and hockey, the game is played outdoors. I understand there is some increased risk associated with travel, but baseball teams fly chartered flights and in most cases the team bus goes right on to the tarmac; they don't even walk through airplane terminals. In hotels, teams would be essentially quarantined on specific floors where no other guests would stay; the risk would not be playing or traveling, but when players choose to venture out in society, just like it is right now when no games are being played. On a youth/travel level, baseball has been and will be the first sport to return because it's not an inherently risky sport for the transmission of a virus. Further, MLB published detailed protocols which the MLBPA have amended to resolve the vast majority of the health issues.
So, baseball players can talk about risking their lives or their health as a reason for no progress in the impasse with the owners, but that really doesn't play any part in the decision-making process as to whether or not there will be major league baseball. It's all about money, not safety, for both the players and the owners.