One reason is that lead solder is still preferred/required in high reliability applications. Although the world is moving to lead free, none of the available compounds are without problems. The most significant is aging. Non-lead solders can deteriorate, cause dendritic shorts, crystallize and have other breakdown issues that have an impact on joint reliability.
As for the health issues, don't chew on the solder, vent the fumes, and keep away from children. In its solid form, lead in the solder is rather inert.
paul