If you include indirect effects, lots and lots of our actions and choices become morally charged. It's a good thing to include that in one's thinking, at least if you want to get higher than average in terms of ethical thinking, but it quickly becomes untenable if taken as an absolute.
Opting for not taking the stairs and using an elevator instead probably has some kind of a statistical relationship to needing hospital care. Choosing a sport or physical activity that includes a greater risk if injury is, in some sense, ethically worse than choosing one that gives the same benefits with a lower statistical risk of causing strain on the healthcare system. Technically, if you live in an area where snow and ice are present in winter, wearing wrist braces (or maybe even a helmet) while walking would reduce your risk of needing medical care in case of a fall. (The need for medical care for injuries to limbs due to falls is an actual thing.)
It turns out most of these are actually social or personal choices. You can analyse the statistical risk and the expected cost to healthcare and end up with different costs for various activities, but just the fact that there is a statistical or potential cost matters little.