> You're 13x less likely to land in the hospital. > You're 45x less likely to die.

So? Why should that inconvenience me? They are adults and have the privilege of living their lives how they want as long as they bear their own consequences. This strategy seems to be they face all those risks anyway and we make sure their lives are miserable for no obvious reason. That is cruel to them and also stupid.

These people presumably pay their taxes, it isn't like there is an unfair burden on everyone else. If there is, charge them a fee when they get to hospital or take it out of their estate if they die. If people want to take sill risks, let them.