individual responsibility is the way things need to be handled. Make it clear that if you do X, then there exists a risk of Y, and Z. If you still want to do the thing, and for you the risk is realized, then ... well, sucks to be you I guess. But you knew what you were getting into.

And saying, "oh, but people are bad at analyzing risk" or "some people are too stupid to understand". Well, so what?

Building a world where everyone is wrapped in a soft foam and nothing can be done because there is always some element of risk, is a terrible idea.

"You can get killed walking your doggie" - Heat (1993)