I'm always puzzled when I read philosophers who treat belief and knowledge as philosophically important states. I find it much more natural to think of [rational] credences (degrees of belief) as fundamental, and to define 'belief' derivatively as, say, "sufficiently high credence for the purposes at hand" (and, similarly, 'Knowledge' as Sufficiently Safe Belief). So understood, belief and knowledge are philosophical outputs, not inputs. Indeed, considerations of stakes-sensitivity suggest that they aren't even purely epistemic notions, but rather a hybrid of the epistemic (rational credence) and the practical (how much credence is required to justify certain actions).
To bring this out, consider the following kind of case. Sally from sales knocks on the door of an abandoned-looking house. Nobody answers, so she concludes that nobody is home and goes on her way. A few minutes later, Dan the demolition worker does likewise, and concludes likewise, only he returns to his wrecking rig to commence demolition. Fill in the background details so that it seems that Dan (unlike Sally) isn't justified in acting on the belief that the house is empty.
Now, if you think that all-out belief is philosophically significant, it seems you're faced with two possible interpretations of how stakes-sensitivity is affecting justified action in this case:
(1) It could be that Dan is, like Sally, perfectly justified in believing that the house is empty, but that the higher stakes of the situation render his justified belief 'unactionable' until supported on firmer grounds; OR
(2) It could be that the higher stakes render Dan's belief unjustified.
But surely it's clear on reflection that this is a distinction without a difference. The only real question here is what degree of rational credence is required to justify action in the face of this or that risk. We capture everything of philosophical significance by noting that Dan and Sally both have rational credence of around (say) 80% that the house is empty, and that this degree of belief is sufficient for purposes of taking your sales pitch to the next door, but not sufficient for demolishing the house and killing anyone who may still be inside. Moreover, it is in virtue of these practical normative facts that we may attribute justified all-out belief / knowledge (that the house is empty) to Sally but not to Dan.