It does modify behavior though: I am more likely to engage in risky activities like heavy drinking and overeating if I know a replacement organ (like a liver) is readily available thanks to the wisdom of the government.
I was not comfortable skateboarding again until I had good insurance as I do now. I don’t go crazy, but it is definitely a weight off my shoulders knowing that if I break a bone I’ll be able to get help without wrecking my finances. On the other hand, my brother doesn’t currently have insurance, and in the past he was super advanced at skateboarding. He is very hesitant to skate with me because of his fear of getting hurt. It’s pretty wild to see that play out in my own life, and it has made even more empathetic to the decisions other people make and the sorts of high-level factors that come into play there.