> you're saying it's ok to engage in risky behaviour - as long as it doesn't result in maiming/killing somebody?No. You evidently lack basic reading comprehension, so I suppose it's futile to ask you to go back and re-read what I wrote to see that I explicitly contradicted this.
> People are very bad at judging risks - and everybody things they're cleverer/more careful/better than the average.
First of all, speak for yourself.
Second, evidently you have no clue about how people who actually are good at judging risks get that way. Hint: it isn't by "thinking" anything. It's by objectively evaluating your own behavior the same way you objectively evaluate other people's behavior. Everybody can see when someone else is doing something dumb. All you need to learn is how to look at yourself as the someone else. This is a learned skill.
Third, if it's true that "people" are very bad at judging risks, that's just as true of government bureaucrats and lawmakers. Why should I trust them to properly balance all the risks vs. benefits of various laws and policies? Let alone "look out for society as a whole", to use your phrase? All the historical evidence we have says that they suck at it.
Fourth, drunk drivers don't kill other people, if and when they do, by magic. And they don't do it purely on their own. There is always a chain of events, and there are plenty of places to break the chain. For example, you describe a drunk driver killing a mother and child walking across the road. How did the mother and child come to be walking across the road when a car was coming? If they had waited, they'd still be alive. If you say "well, it was a blind turn and they didn't see the car", why weren't they taking extra precautions if it was a blind turn? And so on.
Similar remarks apply to other situations where irresponsible actions by one person harm others. Everybody focuses on the harm to the victims and the badness of the irresponsible person. Nobody spends any time teaching themselves, or their friends, or their kids, how not to be the victim. But knowing that there are some irresponsible and dangerous people in the world, and learning how to keep from being harmed by them, is supposed to be part of being an adult human being in this world. Certainly an adult human being is not supposed to expect the government to make sure no bad things happen to them; no government can possibly do that, or even come close. But that's what our mentality has become.